Face-to-face signing of mortgage loan for house purchase refers to the procedure that the borrower (together with the repayment person or guarantor) carries the legal and valid original documents, seals and the expenses required for the loan to the loan bank to pay the expenses required for the loan and sign it in person. In the sale of real estate, after the buyers and sellers sign the sales contract, the buyers who need to apply for loans need to apply for loans from the bank. Sign a preliminary agreement with the bank to buy a house and fill in the information. After the contract and invoice are ready, the bank will review the information and then ask for an interview.

What materials do you need for a bank interview?

1, for property buyers.

When paying the down payment, the developer will inform the buyers in advance of the materials that need to be prepared for the loan. According to the different marital status of buyers, the materials to be prepared are also different, as follows.

Necessary materials: ID card, household registration book, income certificate, copy of business license with official seal, bank account, degree certificate (institutions, state-owned enterprises and top 500 enterprises may not provide a copy of business license with official seal, but provide a work permit. And the proof of income is enough, and there is no need to provide running water. )

Customer is married: both husband and wife are required to be present at the same time, and the necessary materials and marriage certificate of both husband and wife are provided.

Single customer: only one person is needed to be present and provide the necessary information.

Client divorce: only one person is needed. And provide the necessary materials, divorce certificate and divorce agreement (divorce agreement should be transferred to the civil affairs bureau).

2. For the host.

If you are the owner and the buyer who needs to sell the house, the necessary materials to be prepared according to different marital status are as follows.

Necessary materials: ID card, household registration book, real estate license (the original purchase contract is provided for the affordable housing; The central delivery room provides the original purchase contract and the listing certificate of the central production; The purchased public houses provide the original purchase contract, which reflects the need for the unit to have the preemptive right and provides the proof that the unit gives up the priority to lease the house).

The owner is married: No matter whose name is registered on the real estate license, both husband and wife need to be present at the same time and provide the necessary materials and marriage certificates for both parties.

Single owner: only one person is needed to provide the above necessary materials.

Owners divorce: only one person is needed. In addition to the above-mentioned necessary materials, it is also necessary to prepare a divorce certificate and a divorce agreement (the divorce agreement requires the civil affairs bureau to transfer files) to clearly prove the ownership of the house.

Widowed owner: one person is present. Necessary materials, death certificate, clear proof of property ownership.