Housing prices in many areas are relatively high, so many people choose loans to buy a house in order to alleviate the pressure brought by buying a house. Lenders should first make a good loan strategy to prevent repeated bank loans. So what information do you need to apply for a loan? Let's take a look with Bian Xiao.

1. What information do I need to apply for a loan?

1. Loan application; 2. Valid identity documents of the lender such as ID card and household registration book; 3. Proof of the marital status of the lender, such as the single certificate of a single or divorced person and the spouse identity certificate of a married person; 4. The lender's income certificate and tax payment certificate; 5. House down payment certificate; 6. Purchase contract and loan use information; 7. If the house is occupied by * * people, the * * people shall provide ID cards and other information; 8. Other relevant materials required by the lending bank.

2. What are the loan procedures?

1. Apply for a loan from the bank first, and then prepare the materials needed for the loan. Under normal circumstances, the bank's approval time is about half a month.

2. After the loan application is approved, the lender should ask the staff when the loan can be released, and only after the loan release time is determined can the transfer be handled. When paying the down payment, you must apply for the down payment at the loan bank. If the down payment is made in other banks, the lending bank will not recognize it.

3. Then you can sign a loan contract with the loan bank, pay various fees, and handle mortgage and insurance at the same time. When signing a contract with a bank, we should pay attention to the terms in the contract. If you find any problems, you should communicate with the bank staff in time to solve them and better safeguard your rights and interests.

After the loan contract is signed, the bank will lend money. When making a loan, remember to ask the bank for your loan contract and loan bill. If it is a second-hand house, there are insurance policies, evaluation books, etc. At the same time, two copies of the real estate license shall be affixed with the official seal of the bank to facilitate the needs of relevant departments in the future.

Weaving summary: the above is the relevant explanation of what information is needed for the loan, hoping to bring help to friends.