2. The household registration book of the main lender and spouse (if any) who borrowed money to buy a house.
3. Income certificate of the main lender and spouse (if any) who borrowed money to buy a house (the total income certificate must be more than twice the monthly payment and income).
4. Marriage certificate of the main lender who borrows money to buy a house (single certificate or marriage certificate, some bank single certificates do not need to be issued by the Civil Affairs Bureau, just fill in the single statement and sign it according to the prescribed format).
5. Proof of assets of the main lender and spouse who borrowed money to buy a house (if necessary).
6. proof of down payment.
7. The house sales contract signed by the buyer and the seller.
8. The above information of the owner of the house sales contract.
What are the procedures for applying for a house loan?
1. The loan approval stage is required to handle the house purchase loan. At this time, the bank examines the applicant's materials to ensure that he has the repayment ability, and then decides to issue loans to the applicant and send a loan approval notice to the applicant.
2. At the signing stage of the loan bank, the loan applicant should sign a formal loan contract with the bank after receiving the notice of examination and approval. If the loan involves mortgage, guarantee and other guarantees, a guarantee contract should also be signed at the same time.
3. At the stage of bank loan, in this process, after the loan contract comes into effect, the bank pays the house price to the house selling unit on behalf of the borrower. If the loan involves real estate mortgage, the loan contract will take effect after the registration of real estate mortgage, and the bank will issue the loan.
4. In the repayment stage of property buyers, the borrower should repay the principal and interest on schedule in accordance with the loan contract, or the bank will hold the borrower accountable in accordance with the loan contract and guarantee contract.