Submit loan application: After signing the house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process. It mainly includes the original and photocopy of ID card, household registration book and marriage certificate; Residence registration requires a temporary residence permit or residence permit. Income certificate issued by the work unit; Sales contract, advance payment invoice or receipt; Proof of salary flow or other assets in the past six months.
In addition to the above five pieces of information, different banks have different requirements for commercial loans. You should also ask the loan bank for other information in detail.
The bank accepts the investigation: after receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest is 1 month. During the investigation, the bank will ask the loan applicant to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.
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Personal bank loan conditions
1.1natural person aged 8-60 (foreigners from Hong Kong, Macao and Taiwan are also allowed);
2. Have the ability to stabilize occupation and income, and repay the loan principal and interest on schedule;
3. The borrower's actual age plus the loan application period shall not exceed 70 years old;
Information to be provided by the borrower:
1. ID card, household registration book/temporary residence permit, and household registration book for both husband and wife/foreigners;
2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies; 3. Proof of income (format stipulated by the bank);
4. Copy of the business license of the unit (with official seal);
5. Credit certificate: including education certificate, other real estate, bank running water, deposit certificate, etc. For example, the loan conditions of Ping An Bank are relatively simple. In addition to the usual loan age (generally between 25 and 55 years old), banks prefer working-class people with objective income, with a monthly income of not less than 4,000 yuan and continuous and stable work in the current unit for 6 months. The applicant shall provide the original and photocopy of the corresponding identity certificate, household registration book and income certificate issued by the unit. If you can provide the paid utilities, storage certificate and real estate license, it will be more conducive to quickly passing the bank audit.