1. Relevant identification: the buyer's ID card, household registration book, marriage certificate (single certificate for unmarried people, divorce certificate for divorced people, court decision on children's ownership, divorce agreement).
2. Relevant work certificates: the work certificate, salary certificate and job certificate stamped with the official seal of the company shall be embodied in the same certification document. In addition, to print the running details of the bank card for one year, remember to stamp the official seal of the bank.
3. Personal credit inquiry: Go to the counter of China Bank and print it yourself. This is to print all credit surveys in the past five years, including loans, credit cards, water, electricity, coal and telephone charges.
4. Purchase contract: The loan amount must be reflected in the purchase contract, and a down payment receipt signed by the seller is also required.
The process of applying for a mortgage 1. Asking about the qualifications for buying a house: Before buying a house, buyers should first know whether they meet the local conditions for buying a house, especially friends who want to buy a house in these big cities. If you don't have the qualification to buy a house locally, you can't apply for a loan to buy a house
2. Estimate the funds for buying a house: you don't have to prepare a down payment to buy a house with a loan. Property buyers should estimate the funds in their hands and make a good purchase budget in advance before handling the loan purchase procedures.
3. Looking at the house and choosing a house: Buyers should follow a principle when looking at the house and choosing a house, that is, what suits them is the best. When choosing a house, they should determine the location according to their own living and working scope, and pay attention to various aspects such as apartment type, floor and environment.
4. Pay the down payment and sign the contract: Although most buyers will pay the down payment after choosing a house, the down payment is voluntary and buyers can choose not to pay it.
5. Handling mortgage procedures: After the house purchase contract is signed, the buyers can go to the bank to handle mortgage procedures with the information prepared in advance. There are generally two kinds of mortgage loans: provident fund loans and commercial loans.
6. Delivery: If you buy an auction house, you usually have to wait a year or two to collect the house. If you buy an existing house, you can usually hand it over in a short time.
Conditions for applying for a mortgage 1. The borrower must be a person with full capacity for civil conduct.
2. The borrower's age plus the loan period, men can't be over 65 years old and women can't be over 60 years old.
3. Have a permanent and valid account or valid residence status in China.
4. Agree to use the purchased house as collateral.
You must pay a down payment not less than a certain percentage of the total price of the house you bought.
6. The borrower must have a stable job, a certain income, good credit and the ability to repay the principal and interest of the loan.
7. A house purchase contract or agreement has been signed.