Just fill in the required items to ensure that the most basic ID number, mobile phone number, address, income and other items are filled in correctly. Personal housing mortgage loan refers to: (1) transfer mortgage, that is, borrowers (including first-hand buildings and second-hand buildings) who have applied for personal housing loans in ICBC or other banks need to transfer their property rights and mortgage loans to the transferee at the same time during the repayment period because of the sale of their purchased commercial houses (existing houses, for which the real estate license has been applied), and ICBC continues to apply for mortgage loans for the transferee; (2) Mortgaging, that is, the borrower transfers the personal housing mortgage loan handled in other banks to ICBC for handling; (3) Other types of mortgages, that is, applications for changing the borrower's business due to gifts, inheritance, divorce and other reasons. Personal housing plus mortgage loan refers to the loan for house purchase and family consumption granted to ICBC's existing personal housing loan customers (including first-hand and second-hand buildings) with the original loan collateral as the guarantee. Plus according to the general should be handled by the original loan handling bank. Mortgage loan of existing home for individual housing refers to the business that the borrower applies for a loan from the bank with the commercial house (existing home, for which the real estate license has been issued) as collateral for the purchase of housing and family consumption. ICBC Personal Housing Loan Application Procedure: 1. Loan application procedures: 1. After receiving your loan application and required documents, ICBC staff will conduct investigation and verification according to the working procedures stipulated by the bank. 2. If you agree to your loan application, the staff of ICBC will inform you to go through insurance, notarization and other procedures at the designated time and place, and sign the Individual Housing Loan Contract or the Individual Housing Guarantee Loan Contract. After going through the mortgage registration formalities, fill in the iou and issue the loan. Insurance procedures can be handled by banks. 2. The information that the borrower should provide when handling the personal housing loan of China Industrial and Commercial Bank: (1) The information that the borrower should provide 1, and the application form for personal housing loan of China Industrial and Commercial Bank 2. Identity documents (including resident identity cards, household registration books, passports, military identity cards, Hong Kong and Macao identity cards, etc.). ) 3. Income certificate issued by the borrower's work unit or other proof of the ability to repay the loan principal and interest on schedule (including personal passbook, tax payment certificate and stock) 5. Invoice and down payment voucher for down payment. 6. Collateral and pledge * * * A notarized document issued by someone agreeing to mortgage and pledge. 7. Entrusted deduction agreement. 8. The original housing insurance policy with the bank as the first beneficiary. (2) The information of the seller (including the owner of the house) 1, ID card, household registration book and spouse ID card that should be provided by the seller of the second-hand building mortgage; 2. Property right certificate of the commercial house sold; 3. Property appraisal report issued by appraisal company; 4. If the house has been rented, the proof materials of renting consent to move in shall be provided; 5. If the seller is an enterprise legal person, it must provide valid business license of enterprise legal person, certificate of legal representative, resolutions of the board of directors and other relevant documents. (3) The seller of the sub-mortgage business shall provide the following information: 1, real estate license; (Copy, ICBC's personal housing loan business is not required); 2. ID card and household registration book of the seller (if * * moves in, it is required to provide * * ID card, household registration book and a written statement agreeing to * * *' s sale); 3. The leased house must provide a lease and a written agreement reached between the lessee and the buyer and seller through consultation; 4. Original house purchase loan contract; 5. List of principal and interest owed on the day when the original house purchase loan application is transferred; 6, nearly three months personal housing loan repayment bank statement; 7. If the seller is an enterprise legal person, it shall provide valid business license of enterprise legal person, certificate of legal representative (if there is a client, the client shall issue a power of attorney and an ID card), articles of association, resolutions of the board of directors and other relevant documents; The seller who handles the foreclosure loan also needs to provide: (the legal person will not accept the foreclosure loan temporarily); 8, "China Industrial and Commercial Bank of individual housing (foreclosure) loan application form"; 9. Real estate sales contracts or agreements; 10. Mortgage guarantee contract (foreclosure) signed with Shenzhen Real Estate Guarantee Co., Ltd. (hereinafter referred to as the guarantee company); 1 1. Personal housing loan guarantee application form (form provided by the guarantee company); 12. Authorization for mortgage loan transfer; (4) The borrower of individual mortgage loan shall submit the following materials: 1, and the application form for individual housing loan of China Industrial and Commercial Bank; 2. Legal and valid ID card; 3. Original individual housing loan contract; 4. The documents certifying the appraisal of the house by the real estate appraisal agency recognized by the lender; 5. Income certificates or related documents that can prove the borrower's repayment ability, such as tax payment certificates, leases, stocks, bonds and certificates of deposit. ; (5) The borrower of existing home mortgage loan for individual housing needs to submit the following materials: 1, real estate license; 2. ID card and household registration book (if there are * * * people, the ID card and household registration book of * * * people and the consent of * * * people to mortgage shall be provided); 3. If the mortgaged house has been rented, a lease agreement and a written agreement reached between the lessee and the borrower shall be provided; 4. China Industrial and Commercial Bank's application form for mortgage of existing homes for individual housing (attachment 1) 5. Income certificates or related documents that can prove the borrower's repayment ability, such as tax payment certificates, leases, stocks, bonds, certificates of deposit, etc. 6. Appraisal report of the house by the real estate appraisal agency recognized by the lender; 7. The loan interest is charged according to the relevant provisions of the interest rate policy of the People's Bank of China. In case of national interest rate adjustment during the loan period, it shall be implemented in accordance with state regulations. Warm reminder 1. Borrowers in Hong Kong and Macao should provide a letter of proof on the borrower's identity, occupation, income and address issued by a local law firm qualified to handle notarization business in Chinese mainland. 2. The maximum loan ratio of the first-hand building personal housing mortgage loan is 80%, and the longest mortgage period is 30 years; The maximum mortgage ratio of first-hand commercial housing is 60%, the longest mortgage period is 10 year, and it must be an existing house; The maximum mortgage ratio of the second-hand building is 60%, and the longest mortgage period is 10 year. 3. Entrusting others to handle mortgage business requires a notarial certificate issued by the notary office. 4. The borrower's age and loan term shall not exceed 60 years old. 5. In the process of applying for mortgage loan, you need to pay insurance premium, notary fee, mortgage registration fee, stamp duty, lawyer's fee and other related expenses according to regulations. .
Forms of rural credit cooperative loans
You go to the bank you apply for, get a loan application form, fill it out first, write it formally when you are satisfied, and then hand it over to the bank you apply for. Although the loan application forms of different banks are similar, there are still different specific terms for reference only: borrower profile, loan amount applied, loan currency, loan term, loan purpose, repayment source, repayment guarantee, payment plan, repayment plan, etc.
What information do you need to provide for car loan?
What materials do I need to apply for a car loan?
1. Property buyers need to provide valid identification documents, and temporary id card can do the same.
2. If you are married, you need to provide a marriage certificate and a copy of your spouse's ID card.
3. proof of residence. You need to provide proof of residence in your permanent residence, such as the electricity bill for the last 6 months. If you have a real estate in your permanent residence, you need to provide a real estate license.
4. Proof of work and income. Provide proof of income stamped by the work unit. If you are currently unemployed, it is generally difficult to apply for a loan.
Extended information:
1. The procedures required for loan to buy a car are as follows:
1. When the buyer chooses a car model in a 4s shop, he must first understand the relevant parameter configuration of the car model, so as to better check the vehicle configuration information when renewing the contract;
2. The dealer will review the information provided by the buyer, and judge the lender's car purchase qualification (especially the manufacturer's financial institution) through the buyer's work, income, real estate and other factors when buying a car. If yes, the dealer will provide you with a letter of intent to buy a car and let you go to the bank for a loan. Pay attention to too many overdue records of personal credit information;
3. Go to the bank to apply for a loan with the letter of intent to buy a car and relevant information, and wait for the bank to approve the relevant information of the buyer. It usually takes about a week. If the buyer's loan institution is the financial institution of the car factory, the audit time will take about one day.
4. After the approval, the dealer will sign a car purchase contract with the buyer and notify the customer to pay the down payment for the vehicle. Generally speaking, the bank will not let your down payment exceed 50% of the car price, but the minimum down payment is 20%. At the same time, the dealer and the buyer will handle a bank account or credit card;
5. The dealer's chamber of commerce will handle the mortgage and insurance formalities with the buyer. After handling, the customer can pick up the car smoothly.
Secondly, there are the following points to note:
1. When signing a car purchase contract, you need to carefully check the relevant information on the contract, especially the vehicle configuration column. Secondly, it is necessary to confirm the total price of the vehicle and the number of repayments per period.
2. If the bank can't get the loan, you can try to go to the factory finance or finance company. However, when looking for a financial company, beware of being cheated. It's safer to shop around.
3. When choosing the vehicle model, do what you can. The main consideration is whether the monthly repayment will cause great pressure on yourself.
4. In the first year of insurance, try to insure the vehicle completely.
5. It should also be noted that if the debt exceeds 50% of the assessed value of the vehicle, the bank may not approve it.
What materials should I prepare for a loan of 654.38 million yuan?
With a bank loan of 654.38 million yuan, customers can directly choose to apply for a credit loan. If they have certain assets in their names, they can also choose to apply for a mortgage loan with assets as collateral.
Just prepare personal ID card, local valid residence identity certificate (household registration book or temporary residence permit), proof of economic income (such as bank account and payroll) and other materials to apply for a loan at a bank outlet, then get the application form and fill it out, and then submit the completed form together with the information brought. Note that if it is a mortgage loan, you need to prepare a certificate of ownership of the collateral.
After receiving a customer's loan application, the bank will review it according to the information provided by it and inquire about its credit status (if there is collateral, it will also evaluate the specific value of the collateral). If approved, the customer will be informed to sign the loan contract at the outlet in time, and then the bank will approve the money.
As for the conditions that the loan needs to meet, there are mainly the following points:
1. At least 18 years old, with full capacity for civil conduct;
2 have a stable income and the ability to repay the principal and interest of the loan on time;
3. Personal credit is good, and there is no bad record in the credit report.
If it is a mortgage loan, the collateral must have sufficient value space and clear ownership (if it is not owned by individuals, the written consent of the property owner must be obtained).
What form must I fill in for online loan?
General loan application must fill in the following contents: name, ID address, ID number, occupation, income, liabilities, loan demand, use of funds and repayment method.
In addition, when applying for a loan, the applicant needs to prepare the following materials:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc.
3. Provide stable proof of address: house lease contract, utilities, property management and other relevant certificates;
4. Other information stipulated by the bank.
What is the basic information table of commercial loans?
What is the basic information table of commercial loans?
The basic information table of loan customers includes:
1. Personal ID number, telephone number, marital status, residence, occupation, legal representative of the enterprise, registration information and other basic information. ;
2 loan information, including the purpose and amount of the loan;
3. Credit transaction records, loans, repayment and default;
Four, family members' information, including occupation, identity, income, wealth possession and family expenses.
Pay attention to ensure that the information filled in is true and effective. For unclear information, it is best to make it clear before filling in, and the information filled in must not be falsified. It must be filled in according to the real situation. If the bank finds that the information is false, it will blacklist the lender. Fill in every piece of information in the application form as completely as possible to avoid omission or omission. Fill in all your belongings.
The introduction of the loan customer information form ends here.