How do you want to borrow it? House or decoration or something? Every loan has different conditions. Now, let's take residential loans as an example: \ 1. Provident fund loan: 1, proof of marriage relationship (1), unmarried certificate stamped with the original official seal of the Civil Affairs Bureau in duplicate (2), copies of marriage certificates of both parties in duplicate, salary income certificate stamped with the official seal, and credit investigation (credit investigation certificate of the cooperative bank of the Provident Fund Management Center, four blacklists will not be given. Monthly repayment amount: the monthly repayment amount of this loan cannot exceed 50% of the salary income certificate before the loan can be made. Take two loan application forms from the provident fund center and fill them out according to the contents of the forms. You need the company's seal, ID card and household registration book in duplicate, and two copies of the 7% and 30% down payment receipts and customs declaration forms of the house purchase contract. If the borrower is an enterprise legal person, it is also required to provide the annual examination of the business license of the enterprise legal person, tax registration certificate, organization code certificate, articles of association and articles of association. \ 2. Bank loan, proof of marriage relationship (1), unmarried certificate stamped with the original official seal of the Civil Affairs Bureau in duplicate (2), copies of marriage certificates of both parties in duplicate, proof of salary income stamped with the official seal, and credit investigation (if the bank cooperating with the provident fund management center records the credit investigation certificate, the loan will not be granted for four times. If there is a loan, the monthly repayment amount of this loan will not exceed 50% of the salary income certificate. ), ID card, household registration book in duplicate, 7% and 30% down payment receipts and bills in duplicate, and annual business license, tax registration certificate, organization code certificate, articles of association and financial statements if the borrower is an enterprise legal person.

What information do you need to apply for a loan

Judging from the current housing prices, it is difficult for us to buy a house in full, especially for most young people who have just entered the society and have little money at work. Loans have become the first choice for people to buy a house. So, what information do you need to apply for a loan? What are the procedures for handling loans? Let's take a look with Bian Xiao.

1. What information do I need to apply for a loan?

1. Identity cards of the applicant and spouse, and the original and photocopy of the household registration book in three copies. If the applicant and spouse are not in the same household registration, a separate marriage certificate is required.

2. The original house purchase agreement, the original and a copy of the receipt for prepayment of 30% or more of the house price.

3. The applicant's family income certificate, as well as related assets, including salary table and personal income tax table, as well as income certificate and bank deposit certificate issued by the unit.

4. The developer's collection account number.

Second, the process of handling mortgage loans.

1, the first thing is to sign a house sales contract, but this is an intentional contract. Don't transfer the ownership yet, pay the down payment first. As for the down payment, it depends on the conditions discussed with the landlord.

2. Submit a loan application to the bank. If the materials are incomplete or additional materials need to be provided after the bank accepts the application, the examination and approval will take at least two weeks.

After the bank is approved, you can handle the transfer and pay the down payment. Then sign a loan contract with KINOMOTO SAKURA and pay the fee. When signing a contract, you should read the terms carefully to avoid loopholes.

4. The bank will lend money only after the mortgage and insurance procedures are completed. After lending money, you need to ask the bank for a loan contract and an iou. If it is a second-hand house, there are insurance policies and evaluation books.

Editor's summary: What information do you need to apply for a loan? What are the procedures for handling loans? I believe everyone knows something after reading the article. I hope the above contents can bring you some help and suggestions. If you need more relevant information, please continue to follow us.

What information do I need to apply for a loan?

Housing prices in many areas are relatively high, so many people choose loans to buy a house in order to alleviate the pressure brought by buying a house. Lenders should first make a good loan strategy to prevent repeated bank loans. So what information do you need to apply for a loan? Let's take a look with Bian Xiao.

1. What information do I need to apply for a loan?

1. Loan application; 2. Valid identity documents of the lender such as ID card and household registration book; 3. Proof of the marital status of the lender, such as the single certificate of a single or divorced person and the spouse identity certificate of a married person; 4. The lender's income certificate and tax payment certificate; 5. House down payment certificate; 6. Purchase contract and loan use information; 7. If the house is occupied by * * people, the * * people shall provide ID cards and other information; 8. Other relevant materials required by the lending bank.

2. What are the loan procedures?

1. Apply for a loan from the bank first, and then prepare the materials needed for the loan. Under normal circumstances, the bank's approval time is about half a month.

2. After the loan application is approved, the lender should ask the staff when the loan can be released, and only after the loan release time is determined can the transfer be handled. When paying the down payment, you must apply for the down payment at the loan bank. If the down payment is made in other banks, the lending bank will not recognize it.

3. Then you can sign a loan contract with the loan bank, pay various fees, and handle mortgage and insurance at the same time. When signing a contract with a bank, we should pay attention to the terms in the contract. If you find any problems, you should communicate with the bank staff in time to solve them and better safeguard your rights and interests.

After the loan contract is signed, the bank will lend money. When making a loan, remember to ask the bank for your loan contract and loan bill. If it is a second-hand house, there are insurance policies, evaluation books, etc. At the same time, two copies of the real estate license shall be affixed with the official seal of the bank to facilitate the needs of relevant departments in the future.

Weaving summary: the above is the relevant explanation of what information is needed for the loan, hoping to bring help to friends.

What information do you need for a loan?

The materials to be provided for the loan include:

(1) identification: the original and photocopy of the ID card are required (the spouse is required for married people). Temporary id card can also be used if the ID card is lost or the original cannot be used for other reasons.

(2) Hukou book: Hukou book needs a home page and a corresponding page, and Hukou book needs to be stamped with a fresh stamp (issued by the police station or unit where the household registration is located) and is within the validity period.

(3) Marriage certificate: one of marriage certificate, divorce certificate (divorce agreement is provided according to the requirements of different lending institutions), divorce mediation or divorce judgment, and single certificate (notarized by notary office). The reason why a marriage certificate is needed is because both husband and wife sign the loan (with the same repayment responsibility); If the borrower is divorced, in order to avoid property disposal, it is required to provide relevant judgments after divorce (such as who is awarded the house and car); Because of unmarried, divorced, widowed, etc. They are all called singles, and lenders require singles certificates to find out the borrower's assets.

(4) proof of residence: generally, you need to apply for a residence permit (in some places, temporary residence permits), or provide proof of payment of utilities, gas, communication and property management fees for nearly 3-6 months, or provide the bank credit card billing address for nearly 3 months.

(5) Work certificate: Without a stable job, it is generally difficult to get a loan (except collateral). Lenders will provide proof of work materials, borrowers only need to fill in relevant information, and then let the unit affix a fresh seal. If the unit or company has a work permit, it can also be prepared. In addition, business owners or self-employed individuals are required to provide the original and photocopy of their business licenses. Of course, some freelancers are unable to prepare this material. At the same time, it is necessary to provide materials that meet the loan conditions. : loan terms:

1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

5. Other conditions stipulated by the bank.

Personal credit information is very important when handling commercial loans. If there is a record of three consecutive months overdue for six months, basically no bank will lend you money. It should be noted that the provident fund loan needs to be paid in full for 12 months, and it is still being paid before applying for the loan. The time from application to lending of provident fund loans is longer than that of commercial loans, so it needs to wait slowly. In addition, in the process of buying a house with a loan, if you encounter any problems, you can seek help from the property consultant in time. Proof of income The proof of income should cover twice the liabilities in the name of the individual, and the month of bank flow should be issued according to the requirements of specific banks. Small businesses may need to provide a copy of their business licenses.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Let's stop here for the introduction of what information needs to be filled in for the loan.