Each loan requires different materials. Some loans need proof of income to prove that they have the ability to repay loans. Of course, portfolio loan is a kind of loan. Before handling, people will know the materials they need and prepare them themselves, which will be much more convenient when handling, but it is not clear whether they need proof of income. Each loan requires different materials. Some loans need proof of income to prove that they have the ability to repay loans. Of course, portfolio loan is a kind of loan. Before handling, people will know the materials they need and prepare them themselves, which will be much more convenient when handling, but it is not clear whether they need proof of income. Then let me introduce you. Do I need proof of income to apply for a portfolio loan in Xi? What materials does Xi 'an need to prepare to apply for portfolio loan?

Does Xi 'an need proof of income to apply for a portfolio loan?

1.Xi An needs proof of income to apply for a portfolio loan. If a husband and wife buy a house together, they need a marriage certificate to prove that they are husband and wife. When making a loan, only one person needs to be selected as the primary lender and the other as the secondary lender. According to the requirements of the bank, the income certificate issued by the applicant is almost double the monthly repayment amount.

2. Generally speaking, the income certificate is issued based on the total amount of provident fund and commercial loans. For example, the provident fund is 200,000+commercial loan160,000, the loan period is 20 years, the monthly repayment amount is about 2,300 yuan, and the income certificate cannot be less than 5,000 yuan.

What materials does Xi 'an need to prepare to apply for portfolio loan?

1. The original and photocopy of the borrower's and spouse's ID cards, as well as a copy of the back of the second-generation ID card, with the front and back sides on the same A4 paper;

2. The original and photocopy of the borrower's marriage certificate;

3. Original and photocopy of the borrower's household registration book (home page and personal page) The original and photocopy of the temporary residence permit shall be provided for foreign accounts.

4. If it is a second-hand house, it is also necessary to provide the seller's ID card, household registration book, original and photocopy of marriage certificate, original and photocopy of property right certificate, original house purchase and sale agreement and original house evaluation report;

5, provident fund savings card and a copy;

6. Original and photocopy of receipt and payment voucher;

7. Proof of the borrower's fixed income;

8, provident fund management core and other information stipulated by the bank.

That's what I introduced. Do I need proof of income to apply for a portfolio loan in Xi? What materials does Xi 'an need to prepare to apply for portfolio loan? We know something about the materials needed for the protoss portfolio loan. When handling portfolio loans, you must prepare the materials you need, so as not to delay the processing time because of insufficient materials.