Loans require ID cards and household registration books, but loans can only be made if certain conditions are met.

First, the loan object:

1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. Agree to use the purchased property as loan collateral.

Two, at the same time meet the following conditions:

1. Purchase commercial housing designated by the bank in this city with legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport;

2. Open a deposit account in a bank with a deposit balance of not less than 30% of the house to be purchased;

3. Having valid purchase contracts, agreements and other supporting documents;

4. Agree to mortgage the property under the purchase contract;

5. Willing to perform all the terms of the loan contract;

6. Other conditions stipulated by the bank.

Three. Information to be published and provided:

1. Original and photocopy of resident ID card;

2. The original and photocopy of the house subscription book;

3. The original and photocopy of the down payment;

4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.

Second, how to buy a house in Shanghai with only one ID card?

(1) At present, Shanghai implements the policy of "recognizing the house and recognizing the loan", which stipulates that adult singles with Shanghai household registration can buy a house in Shanghai if they don't own their own houses in Shanghai and the number of houses owned by singles and parents does not exceed two before 20 1 1.

(2) Singles and parents who own more than three houses cannot buy a house. The policy also stipulates that adult singles who are not registered in Shanghai are not allowed to buy a house in Shanghai, which means they are restricted from buying a house.

1. Both husband and wife are registered in Shanghai.

(1) Both husband and wife belong to a married family registered in Shanghai. If there is no house in the family name and the number of houses owned by parents before 20 1 1, then you can buy 2 houses in Shanghai.

(2) If one spouse owns three houses with his parents before 20 1 1, and the other spouse owns less than two houses with his parents before 20 1 1, then he can buy a house in Shanghai.

(3) If one of the spouses owns more than 4 houses with their parents before 20 1 1, then they can only buy one house in Shanghai.

(1) Only one of the husband and wife belongs to a married family registered in Shanghai. When buying the first suite, the name of the spouse who does not belong to the Shanghai hukou can be written on the real estate license separately. However, you need to provide proof that you have paid social insurance or personal income tax in Shanghai for five years.

(2) to buy a second suite, the name of the party who belongs to the Shanghai hukou is written on the real estate license, and the party who does not belong to the Shanghai hukou cannot be listed on the real estate license.

(3) Only one of the husband and wife belongs to a married family registered in Shanghai. If there are only two houses in the family name, then you can buy another house in Shanghai.

3. Can Shanghainese get a loan with ID card and hukou?

There are more people with ID cards and household registration books. If everyone can get a loan, you still need to provide other information.

4. Can Shanghainese get a loan if they have an ID card and an account?

1. If you only have your ID card and household registration book and can't buy a car by mortgage, you need the following materials: 1. Having valid identification and full capacity for civil conduct; Mortgage to buy a car. Can provide fixed and detailed address proof; 3. Have a stable occupation and the ability to repay the loan principal and interest on schedule; 4. Personal social credit is good; 5. Holding a car purchase contract or agreement approved by the lender; 6. Other conditions stipulated by the Cooperation Organization. 2. Buying a car by mortgage means that the borrower who applies for buying a car pays part of the down payment in advance, and the lender issues loans to the car buyers in installments for the rest.