1. The borrower must be a China citizen with full capacity for civil conduct and an overseas or foreign citizen with the right of abode in Chinese mainland;
2. To apply for a loan, you need to pay the down payment, and provide the original and photocopy of the house subscription book and the original and photocopy of the down payment;
3. Have a stable economic income and provide proof of monthly contribution ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.
4. Agree to use the purchased property as loan collateral.
Loan application materials:
1. Lender ID card;
2. The credit information of the lender in the last six months, and the credit information is good;
3. The bank card under the lender's name has been flowing continuously for nearly half a year;
4. The lender's residence certificate (rental contract, real estate license, water, electricity and gas invoices for the last three months);
5. Income certificate issued by the lender's work unit;
6. Social security, insurance policies and provident funds can also be loaned on a monthly basis.
If you want to borrow a higher amount, you can make a mortgage loan, such as a house and a car.
If you want to know about provident fund loans, you can go to Miaowei Finance and Business Education to learn about it. Miaowei Finance Education, a brand of Beijing Miaowei Finance Technology Co., Ltd., was established in Beijing on 20 17. It focuses on financial and business education, does not sell or represent any financial and insurance products, and is committed to helping users establish a correct view of money and money, master financial skills and improve national financial literacy.
Weimiao Financial Business Education selects financial analysts, financial planners and other professionals from major financial institutions to jointly polish the course content, adopts the "video+counseling" dual-teacher teaching mode, and innovatively introduces "companion" community counseling into the online classroom, effectively improving the interactivity and enthusiasm of users' learning.