First of all, the lender needs to go to the bank to fill out the application form, and must pass the preliminary examination of the credit officer. If it passes the examination, an application notice will be issued.

Bring your ID card, household registration book, income certificate, etc. , and submit the required information to the law firm designated by the bank.

After examination, lawyers will issue legal opinions and certificates to banks to evaluate the identity and credit standing of loan applicants. Go to the bank counter to buy insurance and pay the home insurance fee in one lump sum.

The bank will review the data and information of the loan applicant again. After the approval, the individual housing loan loan contract and guarantee contract will be signed, and the entrusted transfer will be arranged.

Five conditions for applying for commercial personal loans

1, with local household registration or legal residence identification documents, such as ID card, household registration book, military officer's card, temporary residence permit, etc.

2. Have a stable economic income.

3. Effective purchase contracts, agreements or relevant approval documents have been signed.

4. There is a down payment of not less than 20% of the purchase price.

5. Signed a cooperation agreement with the bank.