What materials do you need to buy a house with a loan?

1, loan application form; 2. Subscription agreement or sales contract; 3. identification; Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards and home visits. If you work in Shanghai, you need to provide a work permit. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located. If you work in Shanghai, you only need to provide a marriage certificate issued by the Shanghai company. Credit certificate refers to the annual family financial report, stock trading list and tax bill of the accounting firm in the country where the foreigner is located. If you work in Shanghai, you only need to provide proof of the company's income in Shanghai. 4 proof of income (including tax bill, bank deposit record and employer's confirmation). Second, the specific process of buying a house by loan Step 1: The buyer and the seller prepare complete information and see a lawyer. Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion; Step 3: The bank reviews the evaluation report and the president signs the loan. Step 4: Lending Note: Banks have different information requirements for buyers and sellers, and the process details are also different. Please refer to the monthly loan handbook. Calculation formula of mortgage interest rate: the calculation formula is: interest rate = interest amount ÷ principal ÷ time × 100%. Interest rate is also called interest rate. Represents the ratio of interest to principal in a certain period, usually expressed as a percentage, which is called annual interest rate. Four, the loan to buy a house should pay attention to six major issues 1, do not use the provident fund before the loan. If the borrower withdraws the balance of the provident fund savings to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, and your provident fund loan amount is also zero, which means that you cannot apply for a provident fund loan. 2. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made one year after the loan is paid off, and the amount you return should exceed six months. Don't forget to find the bank around you if you have difficulty in repaying the loan. When the repayment ability declines during the loan period, don't insist on it yourself when there is difficulty in repayment. ICBC customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term, and there is no default of principal and interest. 4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing. Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where you lived before to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property. 6. Don't lose the loan contract and IOUs. Applying for a loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan takes a long time, as a borrower, you should take good care of your contracts and IOUs.

What is the procedure for going to the bank for mortgage loan? What should I pay attention to?

Step 1: Before handling the loan, the borrower needs to find out whether the purchased building has a letter of commitment issued by the bank to provide personal housing mortgage loans. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank;

Step 2: developer: as the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form;

Step 3: loan bank: the loan officer examines all the materials and documents submitted by the loan applicant and approves them step by step;

Step 4: The loan bank receives the complete materials and issues loans according to the legally effective loan contract;

Step 5: The Property Right Registration Notary Office of Land and Resources Bureau: go through the formalities of property right mortgage registration;

Step 6: notify the developer to take back the loan contract, and the developer will issue a certificate of paying off the house payment to the loan bank;

Step 7: Inform the borrower to take back the loan contract, IOU and insurance policy;

Step 8: The loan officer of the loan bank files the loan. The bank's review of personal loan qualifications has a certain relationship with the working years, but it has little impact. Other aspects are needed, such as income, education and personal credit line, so it depends on other comprehensive conditions.

What are the procedures for handling housing loans and how to handle mortgage loans to buy a house?

Now buying a house is inseparable from housing loans, so how to handle housing loans and what procedures are needed to handle housing loans? In commercial loans, commercial housing mortgage loans have various opinions. Judging from the personal housing credit business of commercial banks, commercial housing mortgage loans belong to commercial personal housing mortgage loans. The so-called commercial personal housing loan, also known as self-operated personal housing mortgage loan, refers to the loan of universal and general significance issued by commercial banks to natural persons who buy houses in the market circulation in urban areas. In commercial housing mortgage loans, banks provide loans to customers with their own credit funds. Compared with housing provident fund loans and individual housing portfolio loans, commercial housing mortgage loans have more relaxed lending conditions, but the loan interest rate is relatively high. On the whole, commercial housing mortgage loans mainly have the following characteristics. First of all, the loan conditions are mainly stipulated in Article 5 of the Measures for the Administration of Personal Housing Loans, such as having a permanent residence in cities and towns, having a stable occupation and income, having good credit, being able to repay the principal and interest of the loan, having paid a down payment of not less than 20% of the total purchase price, and having collateral recognized by the lender as a guarantee or guarantor as a guarantee. 3. Loan purpose: According to the Measures for the Administration of Personal Housing Loans, loans are limited to the purchase of ordinary houses, but in fact banks also handle mortgage loans for villas and other luxury houses and shops; 4. Loan amount. Commercial banks generally determine different amounts according to different types of houses. 5. The loan term is mainly determined by commercial banks in light of specific conditions. Generally speaking, the sum of the loan period and the borrower's age at the time of loan cannot exceed the statutory retirement age, and the longest is not more than 30 years. The procedure of commercial housing mortgage loan is mainly embodied in the provisions of Article 6 of the Measures for the Administration of Personal Housing Loan. According to business practices and national regulations, the process of handling commercial housing mortgage loan mainly includes the following steps: 1. Applicants with housing mortgage loan conditions apply to relevant financial institutions. Financial institutions are mainly branches or business departments of commercial banks. Applicants do not have the possibility to choose financial institutions, but generally apply to financial institutions with specific business relationships with sellers. 2 handling financial institutions to review the applicant's loan conditions and decide whether to issue housing mortgage loans; In line with the conditions, issue loans; Those who do not meet the loan conditions will generally ask for a down payment, or raise the loan interest rate, or the loan bank will not agree to issue loans; 3. The borrower and the lender sign a housing mortgage loan contract. If the borrower chooses automatic transfer for repayment, he shall open a repayment account in the bank, apply for a savings card and inform the bank of the transfer account number; 4. Handling guarantee, guarantee or insurance procedures; If the house is mortgaged, the mortgage registration shall be handled; 5. The lender accepts the entrustment of the borrower and transfers the housing mortgage loan to the developer's account according to its instructions. Generally, this account is a specific account supervised by the three parties; 6. After the transfer, the borrower, that is, the purchaser, shall repay the loan on time according to the requirements of the loan bank. Further reading guide to buying a house: process and precautions of buying a house with second-hand housing loan: calculation method of personal loan interest relief Note: comprehensively analyze the loan interest rate of commercial banks and formulate relevant policies and contents. The growth of non-performing loans in commercial banks is dangerous, and the financial industry needs to be vigilant.

What are the conditions and procedures for buying a house with a loan?

When choosing mortgage to buy a house, buyers need to provide the following information to the bank (loan bank) that provides mortgage: 1, legal and valid identification. 2. Proof of fixed economic income. 3. The original commercial housing sales contract witnessed by the real estate management department. 4. Other documents required by the lending bank. Banks examine the authenticity, reliability and legality of the information provided by buyers. After passing the examination, the loan bank, the developer and the purchaser sign the Real Estate Mortgage (Pledge) Contract and the Building Mortgage Loan Contract (this contract shall be notarized or witnessed by a lawyer, and the expenses arising therefrom shall be borne by the purchaser). Three parties * * * go to the real estate management department for mortgage (pledge) registration of house purchase loan. Among them, the buyer shall submit the following documents: 1, the original commercial housing sales contract witnessed by the real estate management department. 2. A copy of the identity certificate. 3. The housing mortgage loan contract that takes effect accordingly. 4. The mortgage application form and the original mortgage contract. 5. If you entrust others to register on your behalf, you need to submit a valid original power of attorney. According to the Real Estate Mortgage (Mortgage) Contract and the Housing Mortgage Loan Contract, the buyer must fulfill the following obligations: 1. Submit the real estate mortgage registration certificate and the original contract to the loan bank for safekeeping. 2. After the delivery of the auction house, handle the house transfer formalities within three months, obtain the land use certificate, the house ownership certificate and the house ownership certificate, and directly hand over the three certificates to the loan bank for safekeeping (at this time, the developer's guarantee responsibility is lifted). 3. Insure the mortgaged property at your own expense, with the insurance period not shorter than the mortgage period and the insurance amount not lower than the total value of the mortgaged property, and hand over the insurance policy to the loan bank as the first beneficiary of the loan. 4. Without the written consent of the lending bank, the buyer shall not lease, sell, dismantle, rebuild, remortgage or otherwise dispose of the mortgaged property. 5. Repay the principal and interest on time every month. If it is overdue, it will be fined according to the number of days. 6. After all the loan principal and interest, fines and expenses should be repaid, the lender and the lender should cancel the mortgage registration with the original mortgage registration authority and recover the land use certificate, house ownership certificate and insurance policy. The so-called mortgage refers to the behavior that when a property buyer buys a house from a developer, he prepays a part of the purchase price (generally 30%-50%) and lends the rest to the bank, and mortgages the property under the purchase contract and its related rights and interests to the bank as a guarantee for repayment of the loan, and the developer acts as a guarantee for the property buyer. When choosing mortgage to buy a house, buyers need to provide the following information to the bank (loan bank) that provides mortgage: 1, legal and valid identification. 2. Proof of fixed economic income. 3. The original commercial housing sales contract witnessed by the real estate management department. 4. Other documents required by the lending bank. Banks examine the authenticity, reliability and legality of the information provided by buyers. After passing the examination, the loan bank, the developer and the purchaser sign the Real Estate Mortgage (Pledge) Contract and the Building Mortgage Loan Contract (this contract shall be notarized or witnessed by a lawyer, and the expenses arising therefrom shall be borne by the purchaser). Three parties * * * go to the real estate management department for mortgage (pledge) registration of house purchase loan. Among them, the buyer shall submit the following documents: 1, the original commercial housing sales contract witnessed by the real estate management department. 2. A copy of the identity certificate. 3. The housing mortgage loan contract that takes effect accordingly. 4. The mortgage application form and the original mortgage contract.

What information do I need to provide to repay the mortgage in advance?

It is best to consult the loan bank first about the location and conditions of prepayment, because some departments handling this business are not in the same place as the original loan bank.

In addition to money, documents required to repay the loan in advance:

1) ID card, household registration book (home page, personal page and change page of household registration book) and their copies.

2) The spouse's ID card, household registration book (first page, personal page and change page of household registration book) and their copies.

3) proof of marital status (marriage certificate or divorce certificate or unmarried certificate)

4) Property ownership certificate, house sales contract and loan contract

5) Copy of repayment list or repayment passbook

6) Application Form for Early Loan Repayment

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What are the procedures for buying a house with a mortgage loan?

1. What are the procedures for buying a house with a mortgage loan? The so-called mortgage loan is a personal housing loan business in which buyers use the purchased houses as collateral and real estate enterprises provide phased guarantees. When buying a house by mortgage loan, buyers generally go through the mortgage loan formalities according to the following steps: 1. Sign a house purchase contract with the developer. At this time, it is necessary to check whether the developer has five certificates: state-owned land use permit, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit. 2. Pay the down payment and pay attention to keep the down payment receipt. 3. Fill in the personal housing loan application form in the bank. Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers. Bring the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts), income certificate and other originals and copies to the bank to fill in the application form for personal housing loan. 4. Banks review mortgage applications. The bank's credit staff will review and approve the materials submitted by the applicant step by step. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years. 5. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance. The above procedures will generally be handled by the bank. 6. Open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank. 7. Recover the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract. 8. Repay as agreed. The borrower must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can recover the house according to law. 9. Repay the loan. After the loan principal and interest are settled, the mortgage registration is cancelled, and the buyer becomes the real owner of the house. Second, what materials does mortgage to buy a house need? Property buyers who apply for mortgage loans to buy a house in advance need to provide the following materials: 1, personal housing loan application; 2. Copy of identity documents (resident identity card, residence booklet, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visit cards, home visit cards and other residence documents or other identity documents); 3. The borrower's certificate of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank; 4, the legal purchase of housing contracts, agreements and related approval documents; 5. List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank; 6. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor; 7. The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank; 8. Relevant certificates of the borrower's self-raised house purchase funds; 9. House sales (pre-sale) license or real estate license (existing house) (copy); 10. If the borrower's spouse and * * * apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form and show their marriage certificate and household registration book; 1 1. Other documents and materials specified by the lending bank. The above information is for reference only. Different regions and different banks may have different requirements. The above is the introduction of what materials are needed to buy a house mortgage. I hope I can help you. Need to remind you that what this article describes is only a general introduction. It depends on which region and bank you are applying for the mortgage loan. After all, the policies of different banks in different regions are different. I suggest you consult your local bank.

What are the procedures for personal loans?

Personal mortgage loan

The borrower uses the real estate with full property rights in his own or others' name as collateral to apply for a loan for legal purposes from the bank.

Business characteristics:

1, with a long loan term of up to 20 years;

2. The loan amount is high, which can reach 70% of the appraised value of the house;

3. The repayment method is flexible. You can choose to repay the principal and interest monthly or per average capital.

Application conditions:

1. The applicant is a natural person aged 18-60, with valid identity documents;

2. The applicant has a legitimate occupation and stable income, and has the ability to repay the principal and interest of the loan on schedule;

3. The applicant has no bad credit record;

4. Commercial houses, public houses, villas, shops and office buildings with property rights can be provided.

Application process:

1 Apply and register; 2. Submit information; 3 interview and review; 4. Sign the entrustment agreement; 5. Housing evaluation; 6 bank approval; 7. Pass the examination and pay the guarantee fee; 8. Apply for mortgage registration; 9 bank loans

Information to be provided:

1, ID card, household registration book and marriage certificate of the borrower and spouse.

2. Proof of income (other financial proof)

3. Real estate license

4. Real estate appraisal report

84493116-8012 Mr. Tang

What are the procedures for prepayment of mortgage?

Let's see if there is an early repayment agreement in your loan contract. If there is, just follow the agreement. If not, make an appointment by phone first, bring your ID card, seal, loan contract, etc. until the bank can handle it. Near the end of the year, many mortgage owners have abundant funds and began to consider whether to repay in advance. However, because the bank cut interest rates twice this year, the situation of repaying loans in advance is not as hot as in previous years. In fact, after 20 1 1 multiple interest rate hikes, some mortgage borrowers who have the ability to repay chose to "bite their teeth" to pay back the money. Since the beginning of this year, the situation has reversed. The central bank cut interest rates twice in June and July, and the motivation for early repayment disappeared.

In short, it is cost-effective for the lender to repay in advance before the loan term is less than one third. By the middle repayment period or if the repayment of the equal amount of principal has passed 1/3, the interest has basically been paid off, and the prepayment is mostly the principal. Interest rate fluctuations will not have much impact on the repayment amount, so it is of little significance to choose early repayment. Therefore, combined with the opinions of experts, I have sorted out some matters that need attention in repaying the mortgage in advance, hoping to provide some help to everyone.

The method/step 1 penalty interest amount is different.

When citizens choose to repay in advance, they usually pay a handling fee, also known as "penalty interest" or "liquidated damages", which is generally stated in the contract.

Through comparison, it is found that the charges of various banks vary greatly. Some banks don't charge, some banks need to charge 1~3 months' interest on the actual repayment amount, and some banks even need to charge 3% handling fee on the actual repayment amount. State-owned big banks, such as industry, agriculture, China, construction and Bank of Communications, do not charge fees for early repayment by Bank of Communications, while ICBC needs to charge 2-3 months' interest as fees, and other banks need to charge 1 month's interest. Among them, the Agricultural Bank of China charges one month's interest for the early repayment of loans within three years, and no fees will be charged after three years. Most joint-stock banks say they don't charge fees. However, Shanghai Pudong Development Bank said that if repayment is made two years in advance, a handling fee of 3% of the repayment amount will be charged, and no handling fee will be charged after two years.

Foreign banks generally charge differential fees according to the repayment period. For example, Citibank charges 2% of the repayment amount in advance after one year, and the fee is reduced to 1% after two years, and no handling fee is charged after three years; There is no handling fee for prepayment by HSBC after three years, at least 20,000 yuan after two years and at least 30,000 yuan after one year.

2. Allow different repayment times in advance.

In addition, the time allowed to apply for early repayment of loans is different. Most banks require at least one year before they can apply for prepayment, but some banks say they can apply for prepayment at any time.

Among the state-owned banks, BOC and CCB need to repay for one year before they can apply for early repayment, while ICBC needs to repay half a year in advance. In addition, it takes one year for China Merchants Bank, Bank of Communications, East Asia and other banks to apply for early repayment, while Huaxia Bank said that it can apply for repayment at any time. "There is no change yet."

"Generally speaking, the mortgage amount is large. If there is no special reason, few customers will repay the loan in advance within one year. " A staff member of the bank mortgage department said.

3 adjust the interest cycle is different

The general mortgage term is more than 10 years. During this period, it is inevitable for the central bank to adjust interest rates, and the time for banks to adjust interest rates is different. Banks in China, such as China Industrial and Commercial Bank, China Agricultural Bank and China Construction Bank, etc. Generally, from June 65438+1 October1every year, the new repayment interest will be adjusted according to the latest central bank benchmark interest rate.

Foreign banks generally choose to adjust in the current month or quarter. The Bank of East Asia began to implement the new interest rate in the second month after the central bank adjusted the interest rate, Citibank began to implement the new interest rate at the beginning of the next quarter, and HSBC began to implement the new interest rate on the same day. Which interest rate adjustment method is more cost-effective for mortgage borrowers? Experts said that if you are in the interest rate cut channel, it is obvious that the faster you adjust, the more cost-effective; If it is in the interest rate hike cycle, the later the adjustment, the more cost-effective.

What are the procedures for a single room and a loan?

You provide: proof of identity, proof of marital status (divorce certificate or marriage certificate or single certificate) and proof of income.

Real estate developers provide: down payment receipt commercial housing sales contract

The bank provides an identity survey to confirm that you need to fill in the above application form for commercial housing purchase loan.

In fact, you don't care where to buy a house. The salesperson will tell you what to do. They won't lie about it. I am engaged in real estate sales.

What are the procedures for buying a house with a bank loan?

To apply for a personal first-hand housing loan in Bank of China, you need to submit the following materials:

1, loan application;

2. Legal and valid identity documents;

3. Proof of marital status;

4. Proof that the down payment of the purchased house has been paid;

5. Proof of economic income recognized by the lender;

6, the purchase of housing contracts, agreements or other valid documents;

7. List of collateral (pledge) secured by the loan, certificate of ownership, certificate of consent of the person who has the right to dispose of the collateral (pledge) and collateral valuation documents;

8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him;

9. Authorize the lender to inquire about the personal credit information system of the People's Bank of China and record the relevant documents of the inquiry results.

As there are differences in policies and requirements for handling loans in different regions, please consult the local China Bank outlets in detail.

The above contents are for your reference. Please refer to the actual business regulations.

What are the procedures for buying a house loan?

The specific process of housing loan is as follows: 1. Sign a house purchase contract with the developer. At this time, it is necessary to check whether the developer has five certificates: state-owned land use permit, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit. 2. Pay the down payment and pay attention to keep the down payment receipt. 3. Fill in the personal housing loan application form in the bank. Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers. Bring the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts), income certificate and other originals and copies to the bank to fill in the application form for personal housing loan. 4. Banks review mortgage applications. The bank's credit staff will review and approve the materials submitted by the applicant step by step. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years. 5. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance. The above procedures will generally be handled by the bank. 6. Open an account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank. 7. Recover the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

What are the procedures and conditions of housing loan?

The procedures and conditions required for housing loans are as follows:

1. First look at the house and choose the house, then prepare the down payment of the house and sign a purchase contract with the real estate developer;

2. Prepare the ID card, down payment receipt, bank running water and other materials, go to the bank outlet to get the loan application form and fill it out, and then hand the completed form together with the materials to the counter staff.

3. After the bank accepts the customer's mortgage application, it will begin to review.

4. After approval, a message will be sent to inform the customer. If it is approved, the customer needs to sign a loan contract at the outlet within the agreed time and go through the relevant procedures such as mortgage.

5. After signing the loan contract and handling the mortgage, the bank will prepare the loan.

6. After the real estate developer receives the funds, the customer can repay the mortgage on time according to the repayment plan agreed in the contract.

Legal basis: Article 667 of the Civil Code of People's Republic of China (PRC).

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 669

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.

What are the procedures for buying a house loan?

Mortgage refers to the legal documents provided by property buyers to the bank, such as ID card, income certificate, house sales contract, letter of guarantee, etc. At the same time, fill out the "Application for Housing Mortgage Loan". After passing the examination, the bank promised to issue loans to the buyer. Today, I sorted out relevant articles for everyone. Welcome to read and understand!

housing loans

What are the procedures for buying a house with a loan?

Information to be provided for individual housing loan: When applying for individual housing loan, the borrower should first fill in the Application Approval Form for Individual Housing Loan and provide the following information:

1. Borrower information:

(1) Legal identity certificate of the borrower;

(2) the borrower's economic income certificate or occupation certificate;

(3) Borrowers with spouses need to provide proof of husband-wife relationship;

(4) If * * * is the same as the borrower, a written commitment signed by all parties of the borrower shall be provided to clarify the repayment responsibility of * * *;

(5) If there is a guarantor, relevant information of the guarantor shall be provided.

2. The purchased house information:

(1) Letter of Intent for the commercial housing sales contract or commercial housing sales (pre-sale) contract signed by the borrower and the developer.

(2) A copy of the down payment bank deposit slip and down payment receipt issued by the developer;

(3) Other documents or materials required by the lender.

Handling the mortgage registration procedures for individual housing loans: After the loan is approved, the purchaser shall sign a loan contract and a mortgage contract with the loan bank, and handle the mortgage registration procedures at the real estate management department under the jurisdiction of the Property Rights Office with the following materials:

(1) The original and photocopy of the ID card and marriage certificate of the buyer's husband and wife;

(2) Loan contract and mortgage contract;

(3) Real estate mortgage application review registration form;

(4) All purchase contracts;

(5) Other information required by the real estate department.

The time for real estate management departments to handle mortgage registration is generally 15 working days. After the mortgage registration formalities are completed, the mortgagor shall hand over the mortgage certificate of the faster house or the house ownership certificate issued by the real estate management department to the loan bank for safekeeping.

What are the procedures for housing loan?

The process of housing loan is as follows: Step 1: Submit the required documents. The certificate required by the mortgage borrower (natural person) is: 1. Property certificate or house ownership certificate and land use right certificate; 2. The borrower's ID card and household registration book; 3. The following documents are also needed (the borrower's root)