You need to provide relevant identification documents, that is, ID card and passport. If you need a loan to buy a house, you should provide more information.
commercial housing loans need to provide the applicant's identity certificate, property certificate (including stock delivery list, vehicle driving license, other property rights certificates, etc.), down payment certificate, etc.
Bank loans are classified into domestic and overseas. Taiwan Province, Hongkong, Macau and the mainland do not belong to the same economy, so they belong to overseas. The procedures for buying houses and loans are handled overseas, which is similar to that of foreigners.
The banks that foreigners can borrow to buy houses in China are basically foreign banks, such as HSBC and Nanyang. When foreigners are very different from domestic people, the procedures and loan methods are not the same. Let me tell you briefly:
1. Foreign banks generally only handle mortgages for foreigners, no matter how many people have them, they must be foreigners. If you want a husband and wife to have them, his wife must also be foreigners.
2. The credit investigation is mainly about his tax bill and monthly statement of current account, and the bank's review information is carried out by itself, which is a little different from that operated by lawyers in China.
3. Loan currency: generally speaking, US dollars and Hong Kong dollars are the main currencies.
4. The processing period is much longer than that of domestic bank mortgage, which usually takes three or four months.
5. It is very important that you should pay back the loan in whatever currency, and according to foreign currency control reasons, it must be paid in cash, not in cash, that is to say, you can't take US dollars to the counter to repay the loan.
6. Interest rates are also different. Foreign banks are in line with the international capital market and adopt floating interest rates.