Tools/raw materials
loan
A bank/loan company
I. Mortgage loan
1. Personal housing loan:
(1) Identity certificate, marriage certificate and household registration book of the borrower and spouse;
(2) proof of income and running water;
(3) proof of down payment, purchase contract and other materials required by the bank;
2. Personal consumption loans:
(1) Identity certificate, marriage certificate and household registration book of the borrower and spouse;
(2) proof of income, real estate license, use contract, etc. ;
3. Personal (enterprise) operating loans:
(1) Borrower's identity certificate, marriage certificate and household registration book;
(2) proof of income, personal running water, real estate license and sales contract;
(3) Business license, account opening permit, organization code certificate, tax registration certificate, articles of association, enterprise running water, etc.
Second, credit loans.
1. No personal guarantee:
(1) Borrower's identity certificate, marriage certificate and household registration book;
(2) proof of income, personal running water and proof of income;
(3) enterprise statement (property certificate, driver's license, stock and other asset certificates);
2. Enterprises are unsafe:
(1) Borrower's identity certificate;
(2) the company's business license, tax registration certificate, account opening permit, organization code certificate, articles of association and capital verification report, official seal, company's annual running water, personal running water, enterprise statement, tax payment certificate for the last six months, etc. (Property certificate, driving license, stock and other assets certificates).
Third, housing provident fund loans.
1. Commercial housing housing provident fund loan:
(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;
(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);
(3) Legal commercial housing purchase contract or agreement;
(4) Personal credit certificate provided by the borrower and the borrower's unit;
(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;
(6) Effective guarantee certificate;
(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.
2. Second-hand housing provident fund loans:
Second-hand housing management is based on the purchased housing as collateral, and the following information must be supplemented on the basis of providing the above information:
(1) Copy of the Seller's ID card and household registration book;
(2) The original and photocopy of the real estate license;
(3) An assessment report issued by an assessment agency recognized by the Provident Fund Management Center;
(4) Tripartite agreement between the intermediary agency recognized by the Provident Fund Management Center and the buyer and seller;
(five) mortgage registration shall be handled by the real estate transaction department at or above the district level.
The above are the materials needed to apply for a loan.
(The above answers were published on 20 15- 10-29. Please refer to the current actual purchase policy. )
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