Personal housing commercial loan process
First, the basic conditions of commercial housing mortgage loans
1, the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
2. The purchased house is located in a town (including urban area, county town and big market town) and in principle is the borrower's current residence or place of work and business operation;
3. Has signed a commercial housing sales contract with the developer, and paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%;
4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.
5. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased house as loan mortgage, and re-apply for mortgage registration after the purchased house is completed and the immovable property certificate is obtained;
Secondly, information must be provided.
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse do not belong to the same household registration, a marriage certificate is required);
2. The commercial housing sales contract signed by the purchaser and the company;
3. The original and photocopy of the receipt for advance payment of 30% or more of the house price is 65,438+0;
4. Proof of income of the purchaser (provided by the bank and placed in the sales office);
5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the certificate that the board of directors agrees to mortgage;
6. The developer's collection account number is 1 copy.