The main conditions for a single housing loan are:

1, a citizen of China who has a permanent residence or a valid residence certificate at the place where the loan is located, is under the age of 18 -60 (inclusive) and has full capacity for civil conduct;

2. Have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and no bad credit record;

4. It must be that there is no bad record in the bank;

5. Unmarried loans need to provide personal ID card, household registration book, single certificate, income certificate, first-time purchase certificate (deed tax can be reduced for first-time purchase) and bank card running list. That's basically it. Other things that need to be supplemented in special circumstances ~

Can a single person get a loan from China Construction Bank?

Yes A single loan of CCB real estate loan is conditional, depending on the loan type. There are many loan schemes for mortgage houses, and the handling fee is also determined according to the loan amount, loan type, personal credit information and so on. There is also a borrower who is over 18 years old and the sum of the borrower's age and the loan period is not more than 65 years old; The borrower has a good credit line; The borrower is a citizen of China with full capacity for civil conduct.

legal ground

Interim measures for personal loans

Article 11 An individual loan application shall meet the following conditions:

(a) the borrower is a citizen of People's Republic of China (PRC) with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Can a single person get a provident fund loan?

Singles can apply for housing provident fund to buy a house. Conditions for applying for provident fund loans: 1, employees with urban permanent residence or valid residence identification; 2. At the time of application, the housing provident fund has been normally deposited in the provident fund center for more than 6 consecutive months, and the provident fund has not been withdrawn to pay the down payment for the purchased house, and there is no balance of provident fund loans; 3. There is a contract or agreement for the purchase of housing, and the down payment amount is not less than the proportion of the value of the purchased housing; 4. Have a relatively stable professional and economic income, have the corresponding loan repayment ability, and have good personal credit; 5. Take the assets recognized by the provident fund center as collateral or pledge, or take a unit with sufficient compensatory capacity as guarantor; 6, other conditions stipulated by the provident fund center. Article 26 of the Regulations on the Management of Housing Provident Fund stipulates that employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.

I am single, can I get a loan from the bank?

Yes, just make out a certificate.

Information to be provided by the borrower:

1. Foreigners need ID cards, household registration books/temporary residence permits and household registration books.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Extended data:

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Personal credit loan is a relatively fashionable loan method, so applying for this kind of loan requires conditions: the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.