Information required for loan: 1. The borrower's valid identity card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a 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); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book and marriage certificate are required. ) 7. Proof of down payment for paid real estate: 1. Loans can only be made with collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan. Process: 1. Apply for a loan from the bank. 2. After the acceptance of the bank, evaluate the value of the mortgaged property, and verify the loan amount according to the evaluation value. 3. Sign a loan contract, etc. ; 4. Apply for real estate mortgage registration; 5. Bank loans _

Second, how many days does it usually take for a bank to lend money?

Bank lending time is generally around 3 pm -6 pm. Generally speaking, after the complicated process is completed, the business personnel can make payment. So banks need to check the process in the morning and lend money in the afternoon. However, the lending time will generally not exceed 6 o'clock, because banks usually stop a lot of business around 5: 30 pm. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply. Application conditions The borrower's requirements are 1. Natural persons (Hong Kong, Macao and Taiwan, Chinese mainland and foreigners are also allowed) aged 18-60 2. A stable job and a stable income. The ability to repay the loan principal and interest listed in Schedule 3. The actual age of the borrower and the loan application period shall not exceed 70 years old. The information that the borrower should provide is 1. You need both husband and wife's ID cards, household registration book/temporary residence permit and household registration book. 2. Marriage certificate/divorce certificate or judgment/single certificate. 3. proof of income (format stipulated by the bank) 4. Copy of business license of the company (with official seal) 5. Credit certificate: including academic qualifications. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements. Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year. The seller needs to provide materials 1. Husband and wife's ID card, household registration book and marriage certificate (marriage certificate or single certificate) 2. Special materials of real estate license required by foreigners to buy a house: Taiwan Province people-mainland travel permit (Taiwanese certificate), household registration vine (which can prove their marital status), Beijing house purchase approval form, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration). Mortgage notarial deed (entrusted to handle the late house purchase and mortgage registration): notarization of Chinese translation of passport, notarization of Chinese translation of name, notarization of Chinese translation of household registration (which can prove marital status), notarization of mortgage (entrusted to handle the late house purchase and mortgage registration): notarization of Chinese translation of other nationalities-passport, notarization of Chinese translation of name, notarization of Chinese translation of marriage certificate and notarization of mortgage (entrusted to handle the late house ownership and mortgage registration). Materials that the seller needs to provide for the enterprise: legal person ID card, original and photocopy of business license, organization code certificate, resolution of the selling board, articles of association, power of attorney, trustee ID card, proof of collection account (all the above materials must be stamped with official seal) and real estate license.

3. How long does it usually take for China Construction Bank to release its loans?

It usually takes 15 to 30 working days.

The time flow is as follows:

1. It takes 4-5 days to prepare materials and submit them for approval;

2. It takes 2-5 days to obtain the certificate of other rights through mortgage (the time of housing management bureaus varies from place to place, subject to the local), and the other rights will be issued to the accountant after being obtained;

Lending after 3.2-3 days (lenders often need to queue up, and the time is uncertain).

I. The specific provisions of the People's Construction Bank of China on adjusting deposit and loan interest rates are as follows.

1. Infrastructure loans in fixed assets loans shall bear interest on an annual basis, excluding compound interest; Technical transformation loans are still paid quarterly, and the interest that cannot be paid quarterly is calculated according to compound interest. The capital construction loan in the special loan of the People's Bank of China bears interest on an annual basis, excluding compound interest; Technical transformation loans are settled quarterly, and the interest that cannot be paid quarterly is calculated according to compound interest.

2. Continue to implement differential interest rates for capital construction bank loans in thirteen industries, such as energy, transportation, communication and raw material industries, as well as industries such as agriculture and salt industry, and implement the relevant provisions of DocumentNo. on adjusting differential interest rates for capital construction bank loans in some industries. State Planning Commission [1989] No.383. See the attached table for the interest rate level. For loans with differential interest rates, annual interest settlement is also implemented, excluding compound interest; For the interest that has been posted, compound interest is no longer calculated.

3. Grain, cotton and oil loans (from acquisition loans to inventory loans, regardless of parity or negotiation) are subject to the same preferential loan interest rate, that is, the annual interest rate is 8.28%. The loan occupied by the grain financial ledger does not raise interest rates (except for misappropriation). Grain loans will not raise interest rates within a reasonable inventory period. The reasonable storage period shall be determined by the food department of the provincial branch of the People's Bank of China. Grain, cotton and oil loans are subsidized by the People's Bank of China at an annual interest rate spread of 0.72%, and the subsidy method remains unchanged. The subsidy will be implemented from1September 2, 9901day (the same below).

4. Loans occupied by foreign trade enterprises with export losses shall be implemented at the annual interest rate of 8.28% for foreign trade export products, and no interest rate increase shall be allowed. The People's Bank of China subsidizes the purchase loans of foreign trade export products at an annual interest rate spread of 0.72, and the subsidy method remains unchanged.

5, the original commercial, supply and marketing cooperatives wholesale station part of the reserve commodity loans by the People's Bank of China at an annual interest rate of 0.72 for spreads, subsidies, subsidies unchanged.

6. The interest rates of one-month and nine-month large negotiable certificates of deposit can fluctuate upward on the basis of annual interest rates of 3.24% and 7.56%.

7. The annual interest rate of special deposits opened by the People's Bank of China in rural credit cooperatives (excluding other financial institutions) has been adjusted from the original one-year 13.05% and half-year 10.08% to one-year1.70% and half-year 9.36%, since this interest rate adjustment.

8. Before1987, the People's Bank of China subsidized the gold equipment loans issued by China Industrial and Commercial Bank and China Construction Bank at a spread of 1.8%.

9. Demand deposits shall bear interest in installments from the date of interest rate adjustment. The interest-bearing methods for time savings deposits of urban and rural residents, time deposits of enterprises, institutions, government organizations, time deposits of various foundations, "two exemptions" family property insurance, life insurance that can be surrendered, retirement pension fund insurance offered by social labor insurance institutions and unemployment insurance for employees are still implemented according to Yinfa [1990] No.65 and No.83 of China People's Bank and Yinchuan [1990].

10, the loan interest rate of individual industrial and commercial households will rise by 20% according to the adjusted working capital loan interest rate.

1 1. The three-month and six-month fixed interest rates of working capital loans should be used within the scope of temporary working capital loans.

12. The adjustment range of deposit and loan interest rates of specialized banks by the People's Bank of China includes non-bank financial institutions.

Data reference

Baidu Encyclopedia "New Loan Rules"