The documents required to apply for a commercial loan are:
1. Married: marriage certificate, household registration book, income certificate, a copy of the company's business license stamped with the official seal, running salary card (one or six months, different banks, different needs), ID card, spouse ID card, spouse household registration book, and spouse marriage certificate. If two people borrow money together, the spouse also needs to show proof of income, a copy of the company's business license, official seal and running salary.
2. Single: single certificate (which can be issued by the unit, street or local police station), household registration book, income certificate, bank memorandum and ID card.
Commercial loan processing flow
1. Submit a loan application: When you have signed a house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.
Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.
2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month. During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.
3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower, etc. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.
4. Both parties shall go through relevant formalities: the bank informs the loan applicant that after the loan is approved, it is necessary to open an account in the bank, get a debit card and sign a loan contract. At the same time, handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. When signing a loan contract and handling the guarantee formalities, you must know the detailed rules in the contract in detail and make clear your rights and obligations so as to avoid unnecessary misunderstanding.
5. Bank loan: After all loan procedures are completed, the bank transfers the loan funds to the account of the real estate developer, and the loan relationship is established, and the lender repays the loan according to the regulations.
Materials required for individuals to apply for provident fund housing loans:
1. Copy of the applicant's ID card;
2. A copy of the applicant's household registration book (including the first page);
3. The original income certificate of the applicant;
4. The original certificate of the applicant's provident fund deposit;
5. Original purchase contract and down payment invoice;
6. If you are married, you must also provide a copy of the above materials and your spouse's marriage certificate;
7. A copy of the house sales license;
8. A copy of the land use certificate.
Provident fund loan processing flow
1. Go through the guarantee formalities with the guarantee company and sign the mortgage contract.
2. Sign the bank receipt and entrusted deduction agreement with the entrusting bank.
3. The guarantee company handles the real estate mortgage registration formalities for the lender.
4. The management center entrusts the bank to transfer the loan funds into the account of the selling unit.
5, the management center to review the application materials, in line with the conditions, according to the loan approval form to sign a loan contract.
(The above answers were published on 20 16- 12-05. Please refer to the actual house purchase policy. )
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