(1) The borrower's ID card (household registration book) or other valid proof of residence, and the married person also needs to submit personal proof of marital status;

(2) The loan applicant fills in the Application (Approval) Form for Commercial Housing Loan;

3 down payment voucher;

(four) the contract or agreement for the purchase of shops;

(5) Proof of the borrower's family property and income;

6. The identity certificate of the borrower;

⑦ Other information required by the bank.

Extended data:

Applicant's conditions

(1) Having a legal and valid residence status;

(two) there is a contract or agreement for the purchase of shops;

(3) Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan on schedule;

(4) There is a down payment of not less than 50% of the total price of the purchased store;

⑤ Agree to use the purchased shops as collateral or assets recognized by the loan bank as collateral or pledge, or units or individuals with guarantee qualification and sufficient compensation capacity as witnesses to repay the loan principal and interest and bear joint and several liabilities.

According to the general principles of loans:

Article 11 Term of loan:

The loan term shall be determined by the borrower and the borrower through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract.

Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record.

The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.

Article 12 Loan issuance:

If the loan cannot be repaid on schedule, the borrower shall apply to the lender for loan extension before the loan maturity date. Whether the extension is decided by the lender. When applying for extension of secured loan, mortgage loan or pledged loan, the guarantor, mortgagor and pledgor shall also issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement.

The cumulative extension period of short-term loans shall not exceed the original loan period; The cumulative extension period of medium-term loans shall not exceed half of the original loan period; The cumulative extension period of long-term loans shall not exceed 3 years. Unless otherwise stipulated by the state. If the borrower fails to apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.

Article 66 The People's Bank of China shall order the lender to make corrections under any of the following circumstances: If it fails to make corrections within the time limit, the People's Bank of China may impose a fine of more than 5,000 yuan/kloc-0,000 yuan:

1. Failing to disclose the type, term and interest rate of the loan operated;

Two, when issuing loans, there is no public loan conditions and the contents that need to be reviewed;

Three, did not reply to the borrower's loan application within the prescribed time limit.

Article 67 In any of the following circumstances, the People's Bank of China shall order the lender to make corrections: if there is illegal income, the illegal income shall be confiscated and a fine of 1 times but not more than 3 times shall be imposed; There is no illegal income, a fine of 50 thousand yuan and 300 thousand yuan; If the case constitutes a crime, criminal responsibility shall be investigated according to law:

1. Lender advances entrusted loan funds in violation of regulations;

Two, without the approval of the people's Bank of China, foreign currency loans to natural persons;

3. In violation of the provisions of the People's Bank of China, the lender charges any fees other than interest for self-operated loans or special loans, or charges any fees other than handling fees for entrusted loans.

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