See the information required for various loan businesses as follows:
1, sanbao loan
The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;
Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;
2. Mortgage loan
Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).
Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report; As long as the applicant meets the requirements of the bank and can provide the loan materials stipulated by the bank, he can still borrow from the bank;
3. Second-hand housing mortgage loan
If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.
Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, appraisal report, buyer's income certificate, no house certificate, etc.
4. Primary housing mortgage loan
If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.
The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.
Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.