If you need to apply for a "personal first-hand housing loan" in China Bank, the information you need to provide:
1, loan application;
2. Legal and valid identity documents;
3. Proof of marital status;
4. Proof that the down payment of the purchased house has been paid;
5. Proof of economic income recognized by the lender;
6, the purchase of housing contracts, agreements or other valid documents;
7. List of collateral (pledge) secured by the loan, certificate of ownership, certificate of consent of the person who has the right to dispose of the collateral (pledge) and collateral valuation documents;
8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him;
9. Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results;
10. Other information required by the lender.
As there are differences in business handling in individual regions, please consult the branch of China Bank for details.
The above contents are for your reference. Please refer to the actual business regulations.
What are the procedures for buying a mortgage loan?
1. First, sign a house purchase contract with the developer. At this time, it is necessary to check whether the developer has "five certificates": state-owned land use certificate, construction land planning permit, construction project planning permit, housing construction permit and commercial housing sales (pre-sale) permit.
2. Then you have to pay the down payment, and pay attention to keep the down payment receipt. You need to go to the bank to fill out the application form for personal housing loan. Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers.
3. Bring the original and photocopy of the down payment receipt, commercial housing sales contract, ID card, city residence booklet (temporary residence permit for more than one year for non-local accounts) and income certificate to the bank to fill in the personal housing loan application form.
4. The credit personnel of the loan bank will review and approve the materials submitted by the applicant step by step. If it is considered to meet the conditions of bank loans, the applicant shall be notified to sign a personal housing mortgage loan contract, and the contract period shall not exceed 30 years.
5. The property buyer went to the Housing Authority to apply for the certificate of other rights of the house, which proves that the property has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company to apply for family insurance. The above procedures will generally be handled by the bank.
6. Open a loan repayment account. Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank.
7. The bank pays the loan. With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract.
8. The borrower in mortgage to buy a house must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can repossess the house according to law. After mortgage to buy a house's loan principal and interest are settled, cancel the mortgage registration, and you will become the real owner of the house.
Extended data
Three advantages of mortgage loan.
1. Spend tomorrow's money to round today's dream.
Mortgage is a loan, that is, borrowing money from the bank. You don't have to spend a lot of money to buy your own house right away, so the first advantage of mortgage to buy a house is that you can buy a house with less money.
2. Use limited funds for multiple investments.
From the perspective of investment, mortgage buyers can invest their funds separately, borrow money to buy a house and rent it, and then invest again, so that the funds can be used flexibly.
The bank will check it for you.
Borrowing money means borrowing money from banks, which naturally care about the quality of real estate projects. In addition to auditing yourself, banks will also help you audit developers and help you check, which is natural and safe.
(4) Shortcomings of mortgage.
1. Be in debt
Speaking of shortcomings, first of all, people are under great psychological pressure, because the traditional habits of China people do not allow people to make ends meet and pay attention to savings, so it is not suitable for conservative people to borrow money to buy a house. And in fact, buyers do bear heavy debts, which is not easy for anyone.
2. It is not easy to realize quickly
Because the property itself is mortgaged, it is difficult to resell the house, which is not conducive to the delisting of buyers.
(Refer to Baidu Encyclopedia mortgage to buy a house)
What materials does mortgage to buy a house need?
1, individual housing loan application
2. Copy of identity documents (resident identity card, household registration book, military officer's card, overseas and foreign natural persons with the right of abode in the Mainland, passport, family visit card, home visit card and other identity documents). 4. The borrower's proof of stable economic income or other proof of solvency issued by the competent department recognized by the handling bank. Legal purchase contract, agreement and relevant approval documents.
5. List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by an evaluation agency recognized by the loan bank.
6. The written commitment to provide guarantee issued by the guarantor and the credit certificate of the guarantor.
7. The borrower intends to provide pledged bank deposit certificates, voucher-type treasury bonds and other securities to the lending bank.
8. Relevant certificates of the borrower's self-raised house purchase funds.
9. House sales (pre-sale) license or real estate license (existing house) (copy)
10. If the borrower's spouse and * * * apply for a loan, they should clearly fill in the relevant information of the spouse in the loan application form and show their marriage certificate and household registration book.
1 1. Other documents and materials specified by the lending bank.