1, identity documents of the borrower and spouse;
2. The borrower's household registration certificate and marital status certificate;
3. Proof of the borrower's repayment ability;
4. The borrower and the seller signed a real, legal and effective house sales contract;
5. Proof of down payment for house purchase; In principle, it should be one of the following four categories:
(1) Advance payment invoice issued by the developer and supervised by the tax authorities (credentials).
(2) The down payment receipt issued by the developer and the relevant bank vouchers (bills, transfer vouchers, remittance vouchers, cash payment vouchers or bank card payment vouchers, etc.) corresponding to the advance payment receipt. ), where the down payment is not higher than the amount specified by the tier-one branch, only the down payment receipt can be provided.
(3) If the down payment has not been paid, provide proof of the account opened by the borrower in our bank with no less than the specified payment amount.
(4) Other forms of down payment certificates stipulated by tier-one branches.
6. Other materials required for applying for grading;
7. Other information required by the Agricultural Bank.
Personal second-hand housing loan application materials The borrower shall fill in the Application Form for Personal Credit Business of Agricultural Bank of China and provide the following materials:
1, identity documents of the borrower and spouse;
2. The borrower's household registration certificate and marital status certificate;
3. Proof of the borrower's repayment ability;
4. The borrower and the seller signed a real, legal and effective house sales contract;
5. Proof of down payment for house purchase; In principle, it should be one of the following four categories:
(1) If the seller receives the money directly, the first payment receipt signed by the seller and the corresponding bank-related vouchers (transfer voucher or remittance voucher, etc.). ) should be provided; If the down payment is less than a certain amount (the specific criteria are determined by tier-one branches), only the receipt of down payment signed by the seller can be provided.
(2) If the down payment has not been paid, provide proof of the account opened by the borrower in our bank with no less than the specified payment amount.
(3) If the settlement funds for second-hand housing transactions are in custody with the Bank, the custody agreement and details of the fund account shall be provided.
(4) Other forms of proof stipulated by tier-one branches.
6. Unreleased house ownership certificate, seller's identity certificate and house owner's identity certificate;
7. Bank card/discount opened by the seller in our bank for collection;
8. Power of Attorney for Transfer of Personal Second-hand Housing Loan Funds signed by both parties to the transaction. If there are * * * owners in the house to be traded, all * * owners shall sign the "Authorized Person (Seller)" at a glance;
9. If the traded house has been leased, it shall submit the certificate that the seller and the lessee agree to terminate the lease contract, or the Letter of Commitment for Lessee Lessor signed by the seller, the borrower and the lessee, in which the column of "Lessor" is signed by both the seller and the borrower;
10, other information required by the Agricultural Bank.
(Married people also need to issue proof that their spouses agree to mortgage the house and agree to repay the loan. )
Whether the repayment ability of the borrower and spouse is sufficient. The ratio of monthly debt expenditure (monthly repayment of this loan+monthly property management fee) to monthly income of the borrower and spouse shall be below 50% (inclusive), and the ratio of monthly debt expenditure (monthly repayment of this loan+monthly property management fee+monthly repayment of other debts) to monthly income shall be below 55% (inclusive). For the loan application that cannot obtain the standard of property management fee, the property management fee may not be included in the debt expenditure.
The specific business types, handling procedures and handling conditions shall be subject to the relevant regulations of local branches.