1, check the applicant's ID card and account (blue-printed account can also be applied, but there are certain conditions).

If the same family member or immediate family member participates in the loan, the bank should also check the ID card and household registration book. If the spouse does not participate in the loan in the same account, a marriage certificate is also required. Applicants who request provident fund loans must also provide proof of timely payment of provident fund.

2, check the applicant's economic repayment ability

Generally, banks need to determine the loan term, so their economic repayment ability is determined by looking at the applicant's effective working years. If the applicant is five years away from the legal retirement age and the time limit for applying for provident fund loans is ten years, then the bank will not approve it. Of course, there are many early retirements and layoffs now, and this factor is difficult to determine.

Second, after the individual housing loan application, the bank will investigate the real estate agent.

It is very important to investigate the housing contracts or agreements signed by real estate agents and loan applicants. Weak strength, chaotic management and poor reputation of real estate developers will bring troubles and risks to property buyers and bank housing loans.

In short, the repayment period of individual housing loans is relatively long, and it takes several years, more than ten years or even longer to pay off the loans. In order to avoid unnecessary troubles and the safety of banks, necessary investigations should be carried out.

In foreign countries, it usually takes one to three months. At present, we often have a short investigation time and a long signing time. Some of our banks have begun to pay attention to this problem, either hiring lawyers or setting up special agencies to investigate. Judging from the current situation, it is reasonable to control the investigation within one month as far as possible and the one-stop service of signing contracts (including insurance, notarization, registration and accreditation) within half a month.

Matters needing attention of borrowers when applying for individual housing loans.

1. Before applying for a personal housing loan, the borrower should consult and understand the information needed for handling the personal housing loan in advance and make preparations in advance.

2. When preparing the application materials, the borrower shall ensure the accuracy of the application materials.

3. Remember that the borrower's application materials must not be falsified, which will affect the borrower's personal credit.