Generally speaking, applicants need to provide the following materials:

(1) The borrower's valid identity document.

(2) Proof of the borrower's occupation and income

(3) Proof of loan use

(4) social security card

(5) Bank flow

You can look at the following loan terms for your reference:

1, sanbao loan

The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;

Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;

2. Mortgage loan

Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).

Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;

3. Primary housing mortgage loan

If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.

4. Second-hand housing mortgage loan

If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.

Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.

2. What materials do I need to prepare for a commercial loan?

After completing the preparatory work of choosing a house and looking at the house, I must have a favorite house in my heart. Next is to apply for a loan! There are two ways to apply for loans, one is to apply for commercial loans, and the other is to apply for provident fund loans. Today, Xiao Lv will give you some main materials.

Generally speaking, according to the different marital status of buyers, there will be some differences in the materials needed to handle commercial loans. But the main body is similar. The specific needs are as follows: both husband and wife should provide materials):

1, ID card (copy of original inspection)

2, household registration book (check the original copy)

3 Both parties provide marriage certificates; Unmarried, a single certificate issued by the civil affairs organ where the household registration is located is required. A single certificate needs to be original. Other materials only need to check the original and collect copies. )

4. proof of income is required)

5. Bank flow (original or photocopy, such as invoices, down payment receipts or invoices, transfer vouchers, etc. required by both married couples. )

Payers handle personal financial products related to loans. (including but not limited to debit card, credit card, SMS service, telephone banking, mobile banking, online banking, and Andaibao, etc. Since most of the loans are handled by banks that cooperate with developers, the seller is a developer and the banks have their own relevant information.

(The above answers are published in the Level 2 house purchase policy, please take the actual situation as the standard.

Comprehensive and timely real estate information, click to view.

3. What materials should I prepare to apply for a commercial loan?

Materials to be prepared for commercial loans: unit income certificate and bank flow determine your loan amount. 1) Original and photocopy of ID card, household registration book and marriage certificate. It should be noted here that no matter the ID card, household registration book or marriage certificate, the original should be provided for the bank account manager to check. After checking, the bank will return the original to the borrower and keep a copy. 2) Temporary residence permit or residence permit is required for foreign household registration. In the past, people with foreign household registration could not borrow money from banks. With the development of urbanization, this article is obviously gone, but for people with non-local household registration, banks still need borrowers to provide temporary residence permits or residence permits. 3) The income certificate issued by the work unit (fixed format required by the bank) and the copy of the business license of the work unit (copy) shall be stamped with the official seal. The income certificate is an important proof for the bank to verify the borrower's repayment ability, because the borrower needs to issue it in strict accordance with the format stipulated by the bank. Generally speaking, banks will provide borrowers with a standard format, and borrowers only need to fill in the format and stamp it. In addition to the income certificate, the bank will also require the borrower to provide a copy of the business license of the unit, and at the same time, the copy can be stamped with the official seal of the unit. 4) Sales contract, down payment invoice or receipt. The borrower needs to bring the original sales contract signed with the developer or the homeowner and the down payment invoice (the down payment issued by the developer or the homeowner and the intermediary contract signed with the intermediary). 5) The salary flow or other asset certificates in the last six months. In the past, most banks only needed borrowers to provide proof of income. In recent years, with the increasingly standardized and strict loan process, in order to prevent wage fraud, at present, basically all banks will require borrowers to issue a monthly salary (which can be issued by the bank where the salary card is located or replaced by the tax payment certificate issued by the tax authorities). If the borrower has other assets, such as real estate, cars, deposits, etc. There is no need to provide proof materials to the bank, but these materials will improve the approval speed of the bank and the loan amount of the borrower. 6) Other information required by the bank. Each bank and even each bank's branch will have some differences in the requirements for loans. In addition to the above five basic materials, the bank may require the borrower to supplement some other supporting materials. Whether it is a commercial loan or a provident fund loan, the materials that need to be provided are roughly the above six items. The borrower should be prepared before handling it, so as not to omit it, so as not to affect the handling of the mortgage. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. 1. Materials that the borrower needs to provide when handling commercial loans: 1) My household registration book, ID card or other valid proof of residence; 2) proof of occupation and income; 3) Relevant certification materials such as purchase contract or letter of intent; 4) Proof that the down payment accounts for 30% of the house price; 5) Other materials required by the bank agency. The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!

4. What information is needed for commercial loans to portfolio loans and how to handle them?

The requirements for handling are as follows: requirements for preliminary examination:

1. Original and photocopy of ID card, household registration book and marriage certificate of the sub-lender and spouse (if the sub-lender is single, the civil affairs department shall issue the single certificate);

2. The original and photocopy of the house ownership certificate and state-owned land use certificate of the house purchased by the original commercial loan;

3. The original loan mortgage contract of the house purchased by the original commercial loan and a copy of the commodity (economic) house sales contract or the stock house sales contract;

4. The repayment record of the lender's original commercial loan issued by the original commercial loan bank and the proof of the balance and remaining term of the original commercial loan as of the date of applying for the transfer to the provident fund loan;

5. The housing appraisal report issued by the housing appraisal agency recognized by the management center on the transfer of second-hand housing business loans to provident fund loans;

6. A notarized statement of consent to mortgage issued by the owner of the house property;

7. A copy of the mortgage certificate of the house purchased by the original commercial loan provided by the original commercial loan bank (the mortgage certificate of the auction house or the house ownership certificate), and stamped with the official seal of the bank;

8. Other materials required by the management center or the entrusted bank. Guarantee requirements: 1, original and photocopy of ID card and marriage certificate of the sub-lender and spouse (if the sub-lender is single, the civil affairs department shall issue a single certificate); 2. The original "Property Ownership Certificate" and "State-owned Land Use Certificate" of the house purchased by the original commercial loan; 3, the entrusted bank official seal of the loan approval information confirmation.