The developers with five certificates, two books and three tables are formal and legal developers and can apply for loans.
Five certificates refer to: state-owned land use certificate, construction land planning permit, construction project planning permit, construction project construction permit (construction project commencement permit) and commercial housing sales (pre-sale) permit.
These two books refer to: residential quality guarantee and residential instruction manual.
Three tables refer to: completion acceptance record table, measured area table of houses, and household acceptance table of residential engineering quality.
The materials required for individual housing loans include: ID card, household registration book, marriage certificate (divorce certificate, single certificate), income certificate, recent salary, and a copy of the business license stamped by the company.
The most important thing is personal credit investigation (personal credit investigation refers to the activities that a legally established personal credit investigation agency collects and processes personal credit information according to the requirements of users, and provides personal credit information inquiry and evaluation services. Personal credit report is a personal credit history record provided by a credit reporting agency to legitimate information inquirers after processing and sorting out the information collected according to law.
Personal credit information includes:
1. Personal basic information used to identify individuals and reflect their family and occupation;
2. Personal credit information formed by the credit relationship between individuals and financial institutions or housing provident fund management centers;
3. Personal credit purchase and payment information formed by personal credit purchase relationship with commercial institutions and public utility service institutions;
4. Public record information related to personal credit formed by administrative organs, executive organs of administrative affairs and judicial organs in the process of exercising their functions and powers;
5. Other information related to personal credit.
If the personal credit information is not good, the bank will not approve the loan or the interest rate will rise, which depends on the borrower's data in the personal credit information system.
Those who meet the above conditions can apply for a loan.