When applying for a loan, the Construction Bank shall submit the following materials:

1. Applicant's identification materials: including resident identity card, household registration book, military officer's card, police officer's card, civilian cadre's card, passport, Taiwan Province compatriots' pass to and from the mainland, Hong Kong and Macao residents' pass to and from the mainland, residence certificate or other valid identity documents;

2. Proof of repayment ability: including proof of salary income, proof of investment and operation income or other proof of income;

3. Proof of house purchase: legal and effective house purchase (construction, overhaul) contract, agreement or (and) other approval documents.

4. Proof of down payment: including purchase down payment invoice, bank transfer voucher, or details of the seller's deposit account or proof that funds are deposited in a special account, etc.

5. Loan Application Form: The completed and signed "China Construction Bank Personal Housing Loan Application and Loan Investigation Declaration and Approval Form".

6. Loan guarantee materials: If the loan is secured by mortgage or pledge, provide a list of mortgage or pledge rights, a certificate of ownership, a certificate of consent to mortgage or pledge issued by the person who has the right to dispose of it, and a mortgage evaluation report approved by the loan bank;

Where the loan is guaranteed, the guarantor shall provide a written commitment to provide guarantee and proof of the guarantor's guarantee ability. The natural person guarantor shall provide proof of assets and income, and the legal person guarantor shall provide business license, financial statements for the last three years, qualification certificate and credit certificate, cooperation agreement signed with the bank, etc.

7. Other materials required by the Construction Bank.

Extended data:

Loan amount, term and applicant

The maximum loan amount is 70% of the total price or evaluation value (whichever is lower) of the house purchased (built or overhauled); The longest loan period shall not exceed 30 years; The loan interest rate is subject to the relevant interest rate policies of the People's Bank of China and China Banking Regulatory Commission.

Applicants should be China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with the right of abode in Chinese mainland, or foreigners with full capacity for civil conduct with the right of abode in Chinese mainland. ?

China Construction Bank-Personal Housing Loan