Information required for mortgage loan:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Legal basis "Interim Measures for the Administration of Personal Loans"
Article 1 In order to standardize the personal loan business of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business, these Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the People's Republic of China (PRC) Commercial Bank Law and other laws and regulations.
Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business.
Article 3 The term "personal loans" as mentioned in these Measures refers to loans in local and foreign currencies issued by lenders to qualified natural persons for personal consumption, production and operation.
Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith.
Article 5 Lenders shall establish an effective whole-process management mechanism for personal loans, formulate loan management systems and operating procedures for each loan type, define the corresponding loan objects and scope, implement differentiated risk management, and establish an assessment and accountability mechanism for each operation link of loans.
If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank, because each loan project needs different conditions and application materials. You can dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter manual service, providing detailed information on loan purpose and city.