Current location - Loan Platform Complete Network - Loan consultation - What materials do individual housing commercial loans need?
What materials do individual housing commercial loans need?
Legal analysis: 1. Copy of ID card of loan applicant, spouse, borrower and property owner (temporary residence permit, passport, minor birth certificate or one-child certificate).

Two, the spouse of the loan applicant, * * * with the borrower, the property owner * * *.

Three, the loan applicant, spouse, * * * and the borrower, the real estate owner * * * copy of the household registration book.

4. Proof of the marital status of the lender (marriage certificate for married, single certificate for unmarried and divorce certificate for divorced).

Verb (abbreviation of verb) lender's income certificate.

6. One original of the house sales contract.

7. The deposit receipt signed by the seller mentioned in the sales contract.

Eight, the purchase of housing property certificate copy.

Legal basis: Article 12 of the Measures for the Administration of Personal Second-hand Housing Loan Business of Bank of China, when a borrower applies for personal second-hand housing loan, he may directly submit a written application to the lender through an intermediary agency recognized by the bank or himself, and submit the following materials at the same time: (1) An application for personal second-hand housing mortgage loan; (2) Legal and valid identity documents (resident identity card, military officer's card, household register, home visit certificate for Hong Kong and Macao compatriots and other valid residence documents, etc.). ) and provide a copy; (3) The deposit certificate opened in the loan bank for paying the down payment of the second-hand house and its copy; (4) Proof of economic income recognized by the lender; (5) Housing sales contract signed by the borrower (purchaser) and the seller and certified by the real estate management department; (6) The real estate appraisal report of the second-hand house to be purchased. When the house that has been mortgaged to our bank is mortgaged again, it can be exempted from the appraisal procedures and real estate appraisal report; (7) Other documents or materials required by the lender.