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What information do you need for a loan to buy a house
The emergence of loans has brought convenience to many people who are short of money, so the number of people who borrow money to buy a house has remained high in recent years, but many people often don't know how to handle it, so it is best to learn relevant knowledge before lending. Next, Qi will introduce the information needed for the loan and the relevant knowledge about how to borrow it.

Information required for loan

1. The borrower needs to prepare legal and valid identification.

2. The borrower needs to provide proof of fixed income.

3. For the commercial housing sold by the real estate management department, the lender needs to provide a pre-sale contract.

4. Other relevant documents required by the lending bank are also required.

The bank will check the authenticity, legality and reliability of the information provided by the borrower. After passing the examination, the loan bank, the developer and the buyer signed the Real Estate Mortgage Contract and the Building Mortgage Loan Contract, and the three parties went to the real estate management department to register the mortgage of the house purchase loan.

How to get a loan

1. The borrower shall fill in the Application for Mortgage of Residential Houses and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The title certificate, insurance policy or securities of the mortgaged property shall be delivered to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the contract is notarized, the bank will transfer the borrower's deposits and loans to the selling unit or building unit specified in the purchase contract or agreement.

6. Loan settlement: including normal settlement and early settlement.

① Closing the loan on the loan maturity date or the last installment of the loan is called normal settlement.

(2) Before the loan maturity date, if the borrower settles part or all of the loan in advance, he must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank, which is called early settlement.

7. After the loan is settled, the borrower should bring his valid identity certificate and the loan settlement certificate issued by the bank, retrieve the legal documents and relevant supporting documents extracted by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department on the basis of the loan settlement certificate.