2. Identity certificate: Identity certificate, both buyers and sellers need to carry second-generation ID cards, Hong Kong and Macao people need to carry Hong Kong, Macao and Taiwan resident ID cards, and foreigners need to carry passports and household registration books.
3. Receipt voucher: the bank card or passbook of the lending bank.
4. Proof of property right: property right certificate, mortgage contract and loan contract.
What problems should be paid attention to in the face-to-face signing of second-hand housing loans
1, the information provided should be consistent: when the buyer provides the information needed for the interview, he should check whether all kinds of information are consistent. The consistency here mainly includes: the identity card and household registration book are consistent with the actual situation of the buyer; The marriage situation of the buyer is consistent with that reflected in the household registration book.
If the information provided by the buyers is inconsistent, it will be easily identified by the bank as providing false materials, which will affect the loan issuance. The most common inconsistency is that the owner is married, but the marital status of the household registration book is blank or marked single. This requires buyers to go to the local police station in advance to update their household registration information in time.
2. The information provided should be true: the buyer also needs to provide his address, telephone number and other information when signing the second-hand house face to face, and these information must be accurate. This is convenient for the bank to contact and receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, it can also receive the interest rate adjustment notice sent by the bank.
3. Make sure that you are eligible for a loan: When the bank approves whether to grant loans to buyers, it will check whether the buyers have the loan qualifications and ability. At present, some cities in China recognize housing and loans, and some cities do not recognize housing and loans. Property buyers should know in advance whether they can borrow. Secondly, the loanable amount of buyers is linked to their income. Generally, banks will require borrowers' monthly income to reach twice or more than the monthly payment, and the bank's running water should also reach this level, otherwise it will be rejected by the lending bank.