1. When was the loan interview?
Face-to-face signing means that if the buyer needs to apply for a provident fund loan or a commercial loan from the bank after the buyer and the seller reach an intention to buy and sell, the buyer and the bank will sign a bank loan contract and other documents related to the bank loan, so that the bank can check the authenticity of the lender's identity.
The position of interview in commercial loans
2. What materials should I bring to the loan interview?
The loan interview needs to review the materials of buyers and sellers, and there are many materials for buyers. If you are married, you need to review the materials of all family members.
1. Commercial loan:
Seller: ID card, household registration book, bank card, real estate license.
Guardian ID card and guardianship notarization (required by the owner for minors)
Marriage certificate (required by the owner for marriage)
Divorce certificate plus divorce agreement or court judgment (required by the owner for divorce)
Death certificate (required by widowed owners)
Buyer: proof of income, proof of education, ID card and household registration book.
Husband and wife's ID card, household registration book and marriage certificate (necessary for marriage)
The divorce certificate and divorce agreement shall be stamped with the seal of the Civil Affairs Bureau (required for divorce).
The household registration book changes the spouse's death, or provides a death certificate (widowed).
2. Provident fund loans
Provident fund loans are divided into municipal provident fund loans and state-managed provident fund loans.
(1) municipal provident fund loan
Seller: Owner's ID card (household registration book), real estate license, current savings card or passbook in the owner's name (opened in Beijing).
Two notarized copies of guardianship, and the original ID card of guardian (the owner is underage).
Buyer: My ID card and household registration book.
Spouse ID card and marriage certificate (married)
Divorce certificate or court verdict (divorce)
Spouse death certificate (widowed)
(2) State-managed provident fund loans
Seller:
Owner's ID card, real estate license, Beijing Construction Bank debit card or current passbook in the owner's name.
Owner's ID card (household registration book), real estate license, a current savings card or passbook in the owner's name (opened by CCB), 2 copies of guardianship notarial certificate, and the original guardian's ID card. (The owner is underage)
Buyer:
My ID card, the labor contract required by the individual unit, the inquiry form and details of provident fund deposit (non-CCB deposit provident fund), and the CCB card I opened in Beijing.
Spouse ID card and marriage certificate (married)
Divorce certificate or court verdict (divorce)
Spouse death certificate (widowed)
3. What problems should I pay attention to when signing a loan face to face?
In face-to-face loan, it is necessary to check the information of buyers and sellers. The information should be consistent with the actual situation of the buyer and the seller. If it is inconsistent, it needs to be changed in advance. At the same time, the lender must have the ability to repay the loan, otherwise it will be refused.
1. Inconsistent information
Inconsistent information mainly means that the ID card and household registration book are inconsistent with the actual situation of the buyer. It is common that the marriage situation of the buyer is inconsistent with the marriage situation reflected in the household registration book. If the owner is married, but the marital status column in the household registration book is blank or marked single.
Solution: Go to the registered permanent residence and change to a new registered permanent residence book.
2. Loan eligibility
When buying a house with a loan, you must confirm that you have the loan qualification and repayment ability.
(1) Commercial loan
It is worth noting that the loanable amount is linked to income. The monthly income should be twice or more than the monthly payment.
For example:
Xiao Ming wants to borrow 1.5 million for 25 years, that is, the monthly payment is 8682 yuan. Then Xiaoming's income should reach 17364 yuan, and the bank's running water should also reach this level, otherwise it will be rejected by the lending bank.
(2) provident fund loans
Provident fund loans, Beijing first home loans up to 6.5438+0.2 million yuan, second home loans up to 800,000 yuan, the longest 25 years. Provident fund loans, the loanable amount of loans is linked to the monthly deposit.
Face-to-face loan signing is the first and most critical step in applying for a loan, which is related to the bank's examination of the lender's qualification and the approval of the loan. It is helpful for buyers and sellers to make full preparations before face-to-face signing.
This content is only applicable to Beijing.