2. Providing a stable work certificate or labor contract is the information that the loan applicant must prepare. In addition, for the bank's running water, the bank's requirement is to prove the running water for six consecutive months.
3. For banks, it is a necessary process to inquire about the credit information of the loan signer. Whether buying a house or other loans, you should check the lender's credit information. If you are married, you need to check the credit information of both husband and wife.
4. The most important thing for bank face-to-face signing is always to evaluate the repayment ability of the lender. Having a certain economic foundation and stable income flow is a standard for banks to judge the repayment ability of lenders. Among them, providing marriage certificate and household registration book is an important prerequisite for judging repayment ability, and divorce certificate is needed if divorced.
What information should be prepared in advance for the face-to-face signing of the mortgage bank?
1, bank flow
Bank running water is a proof of personal or company income, and you must apply for a loan from the bank. General banks approve wage turnover, but some banks also approve self-storage turnover. If you submit a self-kept daily account, you must have a fixed date and a fixed amount every month for more than half a year. In order to accumulate a certain amount of deposits, save as much as possible and take as little as possible.
2. Proof of income
This is also the material that must be provided during the interview, and it is also the guarantee that reflects the buyer's repayment ability. In order to ensure that buyers can repay their loans on time, the minimum monthly income required by banks is twice the monthly repayment amount. For example, the monthly payment is 2000, and the monthly income is 4000. If it is a joint loan, you can provide proof of income of both parties.
3. Marriage certificate
Judging marital status, providing marriage certificate and household registration is an important prerequisite for judging repayment ability for a family-based house purchase. Divorce requires a divorce certificate to determine whether to use a suite or a second suite to determine the mortgage interest rate. If you are unmarried, please don't provide it and you don't need to issue a separate certificate.
4. Credit report
Mortgage loan is a bank loan, of course, the applicant's credit will be checked. If you are single, you only need to provide your own credit report. If you are married, you must also provide your spouse's credit report.
Step 5 Buy information
If it is the first suite, bring the purchase contract. If it is the second suite, you need to bring the relevant certificate of the first suite. Remember, you still have to provide a receipt for the advance payment. Failure to provide it will affect the signing of mortgage loans.