Self-employed persons shall provide their business licenses (check the original and keep a copy) for their valid identity certificates (ID card, residence booklet or other valid residence certificates).

Second, the loan to buy a house requires materials:

1. Submit individual housing loan application;

2. Submit a copy of your ID card;

3, approved by the handling bank, issued by the relevant departments of the borrower's stable income certificate or other proof of solvency;

4, the legal purchase of housing contracts, agreements and related approval documents;

5. It is necessary to provide a list of collateral or pledge rights and ownership certificates, and a collateral evaluation report issued by an evaluation agency recognized by the loan bank;

6. A written commitment issued by the guarantor agreeing to provide a guarantee and a credit certificate of the guarantor are required;

7. Relevant bank deposit certificates, voucher-type treasury bonds and other securities that the borrower intends to pledge to the lending bank;

8. Need to apply for house sales (pre-sale) license or real estate certificate;

9. If a spouse and his/her * * * apply for a loan, they should clearly fill in the relevant information of the spouse on the loan application form, and show their marriage certificate and household registration book;

10. Other documents and materials specified by the lending bank.

Extended data:

Conditions for purchasing houses with provident fund loans

First, the conditions for applying for provident fund loans to buy a house

According to the Regulations on the Administration of Housing Provident Fund, the conditions for citizens to apply for provident fund loans are as follows:

1. The house purchased by the applicant must be self-occupied, have a permanent residence in this city or a valid identity document, and have paid the housing provident fund normally for six consecutive months before applying for a loan.

2. The applicant has a stable economic income and no bad credit record. The first suite must pay down 30% of the house price, and the house below 90 square meters can pay down 20%, and he has the ability to repay the loan according to the regulations. He must also have proof of housing registration information issued by the housing security bureau of the place where the provident fund is paid and the place where the house is purchased.

3. The guarantor recognized by the customer provides phased guarantee before the house mortgage takes effect, and the purchased house is used as mortgage. Of course, the buyers who apply for housing provident fund loans are temporarily limited to parents and adult immediate children.

Second, you need to pay off the first home loan before you can apply for a provident fund loan.

Unlike applying for a commercial loan to buy a second home loan, applying for a provident fund loan to buy a second home must meet certain conditions, otherwise it will not be accepted.

Citizens applying for provident fund loans to buy a house, if it is a second suite, must pay off the provident fund loan for the first suite, and the down payment ratio for the loan to buy a second suite shall not be less than 60%. In addition, according to the regulatory policy, the loan interest rate will also rise by 10%.

References:

Buying a house with a loan-Baidu Encyclopedia