What information do you need to bring to the interview?
1, provide marriage certificate.
One of the more important aspects of bank face-to-face signing is to understand the repayment ability of the lender. Therefore, for the family-based purchase behavior, providing marriage certificate and household registration book is an important prerequisite to judge the repayment ability of the purchaser. If the property buyers divorce, they need to provide divorce certificates (divorce certificates and divorce agreements). If they have no marriage experience, this item can be exempted from inspection.
2. Provide a credit report.
During the bank interview, the credit information of both husband and wife will be checked on a family basis. Due to the different policies of different banks, the degree of easing in reviewing credit information will be different. If one spouse is overdue, it may affect the whole family to apply for a mortgage loan, from raising the loan interest rate or down payment to being refused a loan in serious cases.
Therefore, I suggest you check your credit report in advance before the interview. When using credit cards or other loans, you must pay attention to repayment on time to avoid overdue.
3. Provide an income stream.
Having a certain economic foundation and a stable income flow proves to be a standard for banks to judge the repayment ability of home buyers' loans. Under normal circumstances, banks will require more than six months of running water. It is recommended to use bank cards with more running water and inject funds at a fixed time every month, which can prove the continuity of income.
In order to ensure that the lender can repay the loan on time, the bank requires the lender's income to be more than or equal to twice the monthly mortgage payment. If the borrower is repaying other loans, the monthly income is required to be greater than or equal to twice the monthly mortgage payment of the existing loan.
4. Provide a stable work certificate.
If the lender can provide a stable work certificate or labor contract, it can better prove the lender's ability and level, so the chances of bank lending will be greater. Also, entrepreneurs can provide company business licenses to prove your economic ability and level. Generally speaking, lenders with these conditions will also be the objects that banks are willing to lend.
5. Provide housing information and confirm the loan amount.
After determining the repayment ability of the lender, the next thing the bank and the lender have to talk about is signing a contract: loan amount and loan interest rate.
The loan interest rate is determined by the number of houses owned by the lender. Moreover, the interest rates of the first suite and the second suite are different. If it is the first suite, you can bring the purchase contract. If it is the second suite, you need to bring the relevant certificate of the first suite.