1, real estate license or house ownership certificate, land use right certificate;
2. The borrower's ID card and household registration book;
3. Unmarried people need to provide corresponding certificates.
4. Married people need to provide: marriage certificate, spouse ID card and household registration book.
5. You need to provide the corresponding divorce certificate.
Housing mortgage loan refers to the loan provided by the loan bank to ensure the safety of the loan, with the borrower's real estate, securities and other documents as collateral, and to obtain the lien and pledge of the borrower's property according to law.
This loan method can reduce the loan risk of creditors and provide the most effective guarantee for creditors to recover their loans.
Information required for loan:
Personal necessary information:
The borrower's valid identity card and household registration book;
Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);
If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row);
Certificate of real estate ownership;
Guarantor (ID card, household registration book, marriage certificate, etc.). Is required)
Information needed by the enterprise:
Original and photocopy of business license
Original organization code certificate
tax registration certificate
Basic account opening permit
Loan card
articles of incorporation
Corporate identity cards and other shareholder identity cards.
Corporate bank statement (last March)
Last year's financial statements, financial statements for the last three months.
Resolution of the board of directors
Company introduction and instructions on the use of funds
note:
The loan can only be made if there is collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;
Have a long-term stable income source, enough to pay the monthly loan principal and interest;
Guarantor;
The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc.
It usually takes about 1 month to get a loan.
Process:
1. Apply for a loan from the bank,
2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;
3. Sign a loan contract, etc. ;
4. Apply for real estate mortgage registration;
5. Bank loans.
deadline
The average personal loan is up to 5 years; Repay by installments every month, instead of repaying the principal at one time.