If you buy a house with a loan, you need to prepare various materials. What materials are needed for commercial loans? PChouse, let's take a look.

1, personal housing loan application. Other documents and materials specified by the loan bank. If the borrower's spouse and * * * apply for a loan, the loan application form shall also fill in the relevant information of the spouse, and show the marriage certificate and household registration book.

2. Housing sales (pre-sale) license or real estate (existing house) property certificate. Commercial loans to buy a house need to prepare the relevant certificates of the borrower's self-raised funds to buy (overhaul) the house. A written commitment to provide guarantee issued by the guarantor and the guarantor's credit certificate.

3. Securities pledged by the borrower to the lending bank, such as certificates of deposit of China Construction Bank and voucher-type national debt. List of collateral or pledge rights and ownership certificate, certificate of consent to mortgage or pledge issued by the demolished person, and collateral evaluation report issued by the evaluation institution recognized by the loan bank.

4, the legal purchase (overhaul) of housing contracts, agreements and related approval documents. The borrower's certificate of stable economic income or other proof of solvency issued by the relevant department recognized by the handling bank. Commercial loans to buy a house need to prepare a copy of identity documents (resident ID card, household registration book, military officer's card, passports of overseas and foreign natural persons with the right of abode in Chinese mainland, family visiting cards, home visiting cards and other residence documents or other identity documents).

What materials do I need to apply for a commercial loan?

Provide materials

1, personal loan application form;

2. The borrower's ID card and household registration book (the property belongs to * * *) are owned by the husband and wife, and some of them need to provide marriage certificates;

3. Commercial housing sales contract;

4. proof of down payment;

5 proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). ); (6) mortgage certification documents;

7. Other materials required by the bank.

Extended data

Application conditions

1, the identity is legal and valid.

2, must have a stable and legitimate economic income, can provide the corresponding income and assets.

3. Natural persons with full capacity for civil conduct have no bad credit records.

4. Sign a valid purchase contract or purchase agreement with the seller.

5. Pay the down payment according to the specified proportion (generally not less than 30% of the total price of the purchased house) or deposit a deposit not less than the down payment in the loan bank.

6. Lender's age 18-65 years old, and different ages have different restrictions on the loan term.

7. Other conditions stipulated by the lending bank.