1, three-household joint guarantee loan
The three operating economic entities are linked by their respective industrial and commercial certificates, guarantee each other and lend money to banks;
Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses;
2. Mortgage loan
Taking real estate as a mortgage loan means taking real estate (real estate) as a mortgage and applying for a loan for a lender with a business enterprise (industrial and commercial license).
Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;
3. Second-hand housing mortgage loan
If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.
Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.
3. Primary housing mortgage loan
If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.
The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.
Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.
4. Provident fund loans
Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and the total balance of housing provident fund accounts of both husband and wife of the applicant is about 20 times.
Requirements for loan procedures: according to whether you buy a first-hand house or a second-hand house, the identity certificate of the buyer and seller, household registration book, marriage certificate, house title certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, income certificate of the buyer and seller and proof of no house.