(1) Borrower's valid ID card and household registration book; ?
(2) proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce); ?
(3) If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; ?
(4) The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); ?
(5) Certificate of real estate ownership; ?
(6) The guarantor shall provide ID card, household registration book, marriage certificate, etc.
2. The policy of buying houses in different places: On April 65438+7, 2065438, the State Council issued the Notice on Resolutely Curbing the Excessive Rise of Housing Prices in Some Cities, requiring non-local residents who cannot provide local tax payment certificates or social insurance payment certificates 1 year or more to suspend the issuance of housing loans. This means that it is impossible for buyers from different places to use credit leverage to speculate in real estate.
Buyers from different places have only two choices, either to pay in full, or to get a certificate or to provide proof of social insurance payment after local tax payment in 1 year. If the documents are complete, the down payment ratio is 30% and the interest rate is 8.5%.
Extended data:
Relevant certification materials that employees should provide when they withdraw housing provident fund for the first time to purchase commercial housing, affordable housing, cooperative housing, fund-raising housing and other self-occupied housing:
(1) Original and photocopy of the house purchase contract or house purchase agreement;
(2) The original and photocopy of the purchase invoice;
(3) Extract the original and photocopy of the employee ID card;
(4) Withdrawing the employee's own bank savings account;
In addition to the above information, the employee's spouse should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the withdrawal record of the main purchaser. Relevant certification materials that employees should provide when withdrawing housing provident fund for the first time due to the purchase of second-hand houses:
(1) Original and photocopy of the real estate license;
(2) Original and photocopy of deed tax payment certificate;
(3) Extract the original and photocopy of the employee ID card;
(4) Withdrawing the employee's own bank savings account;
In addition to the above information, the employee's spouse should also provide the original and photocopy of the husband-wife relationship certificate and the photocopy of the withdrawal record of the main purchaser.
Baidu encyclopedia-off-site loan to buy a house
Baidu encyclopedia-house purchase loan