What materials need to be submitted for a bank loan to buy a house?

Buying a house with a loan is generally divided into several steps: 1. Personal credit directly affects the bank's assessment of the borrower's repayment ability. At present, credit files mainly include: credit cards, real estate mortgages and other types of loans. 2. The income certificate is generally a certificate of income status issued by the borrower’s employer. Generally speaking, banks will require an income equal to twice the monthly payment. Large deposits, bonds, real estate, etc. can also be used as proof of income. 3. Pay attention to the loan period. For purchasing a house, the loan period shall not exceed 30 years; for commercial housing, the loan period shall not exceed 10 years; and the borrower's age plus the loan period shall not exceed 70 years. 4. Be careful when choosing a bank. Different banks have different preferential loan rules. 5. Selection of repayment methods Bank repayment methods are mainly divided into two methods: equal principal and interest repayment method and equal principal amount.

Where to find customer resources for loans

Cooperating institutions, customer service groups and public resources.

Customer resources for loan business can be obtained from the following aspects:

1. Through their own customer groups: For some loan companies, they can obtain them from their own customer groups. Get loan customers. For example, a bank can obtain loan customers from its own savings customers, and a trust company can obtain loan customers from its own investment customers.

2. Cooperative institutions: You can cooperate with other institutions to obtain loan customers from the customer groups of cooperative institutions. For example, you can cooperate with a real estate agency to obtain loan customers from the agency's customer base.

3. Online channels: You can use online channels to obtain loan customers. For example, you can conduct loan business on an online platform and accept online applications.

4. Public *** resources: Loan customers can be obtained from public *** resources. For example, loan customer information can be obtained from government departments, industry associations, etc.

In general, there is no single channel for obtaining loan customers. You can choose appropriate channels to obtain customer resources based on the actual situation.

What documents are needed for a bank loan?

Special note: All home buyers and spouses must be present when signing the loan contract (except for children under 18 years old). All documents, except the originals, must be copied in 4 copies. .Original and copy of the ID card of the borrower's spouse and the *** and the home buyer (ID card includes: ID card, blue print, household registration, foreign population's residence permit in this city, military ID card and other valid documents). Birth certificate of the child. If there is no birth certificate, The household registration certificate issued by the police station instead. The original and copy of the household registration booklet of the borrower's spouse and the person living with the ***. Marriage certificate: Married persons: provide the original and copy of the marriage certificate. (If the marriage certificate is lost, please go to the Civil Affairs Bureau Bureau of reissue) Unmarried persons: Provide the original single certificate from the Civil Affairs Bureau or the single certificate from the bank filled in on the spot. Divorced persons: Provide the divorce certificate or judgment, and the single certificate issued by the unit or street where you work. The income certificate component can be in the format of China Construction Bank or issued by the unit ( If issued by the unit itself, please indicate the person in charge, contact number, and unit address). .Original and copy of the invoice for the down payment of RMB 30. CCB savings card (the borrower’s own). Private seals of the property owner, spouse, and legal representative. .If you apply for a combination loan, you need to provide the provident fund account numbers of both spouses. That's basically it,,,

What documents are needed to get a loan to buy a house?

The documents you need to prepare to buy a house with a loan are as follows:

1. Loan application.

2. My identity document.

3. The household registration page of yourself and your family.

4. Personal marriage certificate (you don’t need to submit it if you are unmarried).

5. Personal income certificate.

6. Personal credit report.

7. Invoice for the down payment of the house.

8. Bank flow.

9. Proof of social security payment.

10. Bank card of the relevant repayment bank.

Generally speaking, the developer will inform the customer what information needs to be prepared, and the customer can prepare the information according to the developer's notice. Under normal circumstances, nothing will be missed.

Of course, even if the customer's information is ready, it does not mean that the customer will definitely be able to get a loan. It still depends on the bank's review results. If the bank feels that the customer's qualifications do not meet the loan requirements, it will return the loan materials and refuse to lend.

So before paying the down payment, customers can prepare their own information and go to the bank for consultation to see if their qualifications meet the loan requirements and how many loans they can apply for. Go and formally apply for a mortgage.

What materials do you generally need to prepare when applying for a housing mortgage loan from a bank?

If you apply for the "Ideal Home. Replacement Treasure" personal housing mortgage loan business at Bank of China, please contact our bank For applicants who request a loan, the account manager should guide them to fill in the loan application form and other relevant information. At the same time, the loan application information that the customer should provide to our bank includes relevant information on the property that the customer already owns and the property that is about to be purchased. Among them, the application materials that need to be provided for the property that is about to be purchased include the purchase contract or letter of intent, deposit receipt and other materials required by our bank; the application materials that need to be provided for the property with clear property rights include the proof of the proposed replacement of the house, the house ownership certificate, the house Assessment report and other materials required by our bank. Because there are certain differences in various regions, you need to consult the local agency when applying for a loan.

The above content is for your reference, please refer to actual business regulations.

This ends the introduction to buying loan customer information and purchasing loan customer information. Have you found the information you need?