In our country's current household registration management, those who are registered as a family, that is, those who are registered as having a "blood marriage or adoption relationship" are called family households, which is the so-called family household registration.

1. House purchase contract and down payment invoice (original and copy)

2. 1-2 inch recent bareheaded photo of the applicant

3. Applicant and spouse’s identity documents: original and copy of ID card, original and copy of household registration book (all pages of the household registration book should be provided)

4. Marriage or divorce certificate (original and photocopy), if unmarried, provide Declaration of unmarried status (bank text) signed by myself

5. The income certificate issued by the unit where you work must be stamped with the official seal of the unit or the seal of the personnel department. (Bank text)

6. A copy of the business license of the applicant’s unit that has been inspected annually and stamped with the official seal

7. The temporary residence permit of the applicant with a non-local household registration (original and copy of this Xi’an Should not be required)

8. The applicant’s educational experience certificates such as academic certificates and degree certificates. (Required for those with a college degree or above)

9. Personal credit certification materials (applicants are requested to provide as many as possible so that the bank can determine the loan limit and shorten the approval time), including but not limited to the following:

(1) Personal asset certification materials, such as: bank deposit certificates or demand deposit transaction records in the name of the applicant or spouse (the historical deposit period has exceeded three months), salary passbooks matching salary, and treasury bonds , stock delivery receipt (need to be stamped with the official seal or business seal of the securities company's sales department), credit card consumption records, large single payment insurance policies, car driving licenses and car purchase invoices, real estate certificates (commercial housing sales contracts) and invoices, provident fund account statements etc. (original and photocopy)

(2) Description of other income sources and their original certificates (original and photocopy)

(3) Proof of professional qualification (such as certified public accountant qualification) certificate, lawyer's practicing certificate) or relevant professional academic certificate

10. Information provided by self-employed persons (not limited to the following):

(1) Company capital verification report and bank capital verification certificate;

(2) Bank statements or savings passbooks of the company’s main settlement account in the past 6 months

(3) Companies in special industries must provide a “franchise” issued by the administrative department "Business License" (such as coal mining, "Coal Mining Business License" must be provided)

(4) Business contracts that can reflect the company's operating status, such as orders, sales contracts, agency contracts signed with well-known companies Agreements, certificates of correspondence, etc.

11. To entrust everyone to handle the relevant house purchase and loan application procedures:

(1) And a power of attorney notarized by a notary authority (2 originals)

12. If there is a guarantor in the loan application, the guarantor must provide 1-10 required information.

13. If there are two or more people buying a house, the original notarized certificate of property rights division ratio issued by a notary public must be provided. (If *** and the house buyer are husband and wife, and the property ownership ratio is 50%, no need to provide it)

14. Passbook or wealth management card issued at the bank (original and copy)

(The above answer was published on 2015-06-28, please refer to the actual current relevant home purchase policies)

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