1, husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract or bank statement of personal account for nearly half a year.
2 mortgage, the bank review the borrower's loan application, purchase contract, agreement and related information. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. Guarantors of both borrowers and borrowers sign the housing mortgage loan contract and notarize it.
3. After the contract is notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
4. Husband and wife's ID card, household registration book, marriage certificate, real estate license, purchase contract or evidence, and bank statement of personal account for nearly half a year.
Extended data:
China Industrial and Commercial Bank Housing Mortgage Loan Conditions:
1, a natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); If the borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement);
3. Have a good credit record and willingness to repay;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. There is a clear loan purpose, and the loan purpose is in line with laws, regulations and relevant state regulations. The promised loan will not flow into the securities market and futures market in any form, nor will it be used for equity investment or real estate project development.
It shall not be used for borrowing to seek illegal income, or other projects explicitly prohibited by national laws and regulations;
6. Can provide legal, effective and reliable house mortgage recognized by the bank;
7. Open a personal settlement account in China Industrial and Commercial Bank;
8. Other conditions stipulated by the bank.
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