Natural persons from Hong Kong, Macao and Taiwan who have the right of residence in Chinese mainland and have full capacity for civil conduct can apply for mortgage purchase.
CCB loan applicants should:
1, China citizens have full capacity for civil conduct;
2. Hong Kong, Macao and Taiwan natural persons with full capacity for civil conduct who have the right of abode in Chinese mainland;
3. Foreigners with full capacity for civil conduct who have the right of residence in Chinese mainland.
When applying for a loan, the following materials shall be submitted:
1, applicant's identification materials:
Including resident identity cards, household registration books, military officers' cards, police officers' cards, civilian cadres' cards, passports, Taiwan Province compatriots' passes to and from the mainland, Hong Kong and Macao residents' passes to and from the mainland, residence certificates or other valid identity documents.
2. Proof of repayment ability:
Including wage income proof materials, investment income proof materials or other income proof materials.
3. Proof of purchase:
Legitimate and effective procurement contract, agreement or (and) other approval documents.
4. Proof of down payment:
Including the down payment invoice, bank transfer voucher, or the details of the seller's corresponding deposit account or the proof that the funds were deposited in a special account.
5. Loan application:
Complete and sign the "China Construction Bank Personal Housing Loan Application and Loan Investigation Declaration and Approval Form".
6. Provide loan guarantee materials.
7. Other materials required by the Construction Bank.
Extended data:
Information for foreigners to buy a house:
Taiwan Province Provincial People's Pass to and from the Mainland (Taiwan Compatriot Certificate), Household Registration Certificate (which can prove the marital status), Approval Form for House Purchase in Beijing, and Mortgage Notary Certificate (entrusted to handle the later house purchase and mortgage registration).
Hong Kong people-Hong Kong identity card, marriage certificate, mortgage notarial deed (entrusted to handle the later house ownership certificate and mortgage registration)-Koreans-notarized translation of China passport, notarized translation of Chinese name, notarized translation of household registration book (which can prove marital status), notarized mortgage notarial deed (entrusted to handle the later house ownership certificate and mortgage registration).
Other nationalities-notarization of Chinese translation of passport, Chinese translation of name, Chinese translation of marriage certificate, notarization of mortgage (entrusted to handle later house ownership and mortgage registration).
Baidu encyclopedia-housing mortgage loan