Bank of Communications loan application conditions:

1, with permanent residence in this city;

2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan;

3, with the purchase of housing contracts, agreements or letters of intent;

4. Take the self-owned funds of more than 30% of the house purchase price as the down payment for the house purchase;

5. Agree to mortgage the loan in full with the value of the house purchased, and the developer who sells the house will provide joint liability guarantee or pledge recognized by the bank;

6. Housing and property insurance must be handled, and the first beneficiary of this behavior must be defined. The insurance amount is not less than the total value of the collateral, and the insurance period is three months longer than the loan period; Except for full pledge;

7. Other conditions that the Bank deems necessary.

2. What are the requirements for applying for a loan from Bank of Communications?

deal with

1. Valid ID;

2 permanent residence certificate or valid residence permit

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose statement;

8. Silver

Requirements for bank loans:

(1 With full civil conduct or legal and valid identity documents, the lender is required to be under 0 years old for bank loans;

(2) have a stable legal income and the ability to repay interest;

(3) Lending banks

These procedures are usually divided into three steps:

(1) Basic information submitted by the customer, telephone number.

(2) Whether the credit rating verified by the lending bank or company has illegal records, aiming at the operating conditions of its enterprises.

(3) The staff of the lending unit signs a cash loan contract with the customer.

3. What are the conditions for Bank of Communications to apply for a mortgage?

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

Information to be provided when applying for mortgage:

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.