In this era of rising housing prices, loans to buy a house have become the choice of the majority of buyers. Loans are divided into commercial loans and provident fund loans. Among them, there are many requirements for provident fund loans, so many property buyers choose commercial loans to buy houses. Then, what materials do commercial loans need to buy a house? What problems should we pay attention to? \ r \ n \ r \ n \ r \ n \ r \ 1. What materials are needed for buying a house with a commercial loan \ r \ n \ r \ n1,3 originals and 3 copies of the applicant's and spouse's ID card and household registration book; \r\n \r\n\r\n2。 If married, proof of marital status is required. Divorce requires a divorce certificate. Single people need to go to the local civil affairs bureau or neighborhood Committee to prove it. \r\n \r\n\r\n3. The commercial housing sales contract signed by the buyer and the developer must be issued by the Real Estate Administration and have legal effect; \r\n \r\n\r\n4, down payment invoice; \r\n \r\n\r\n5。 Proof of income of buyers. Need to go to the company to find the financial department to issue a tax payment certificate. \r\n \r\n\r\n6。 If you buy the first suite, you must go to the Housing Authority to issue a certificate of no room, which proves that you bought the first suite. \r\n \r\n\r\n \ r \ II. Matters needing attention in buying a house with commercial loans \ r \ n \ r \ n 1, good personal credit \ r \ n \ r \ n \ r \ nWant to borrow money? If there are three consecutive or accumulated overdue records in personal credit information, the bank is likely to directly refuse the loan. Therefore, before applying for commercial loans, buyers need to go to the bank in advance to inquire about personal credit information. \r\n \r\n \r\n\r\n2。 Prepare relevant materials \ r \ n \ r \ n \ r \ The borrower needs to provide detailed loan materials, which must be true and complete. If the bank finds that the materials are false, it will directly refuse the loan. \r\n \r\n\r\n3. Analyze your economic strength objectively \ r \ n \ r \ n \ r \ When applying for a commercial loan, you should analyze your economic strength and choose an appropriate mortgage amount. The more mortgages, the better. In case the monthly repayment pressure will be greater, once the repayment cannot be made on time, it is likely to fall into the embarrassing situation of "money and house are gone". \ r \ n \ r \ n \ r \ n \ r \ Conclusion: This is the end of the knowledge about buying a house with commercial loans. I hope it will help you.

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