Instructions for handling commercial loans
1. Only houses that the seller has obtained the house ownership certificate and are unsecured and built after 80 years can apply for loans.
2. Only the property owner (buyer) can handle the loan.
3. Loan customers should have a real and stable work unit and income in Beijing (verified by banks and lawyers).
4. The loan amount and term are ultimately decided by the bank.
5. The procedures, time, expenses, income certificates and required information of the lending banks are not completely consistent.
6. For customers with higher loan amount, higher income and lower education, the bank may require them to provide certificates such as large deposit certificates or personal income tax returns.
7. The copy of the business license provided must pass the annual examination and be stamped with the official seal, and the registered capital is preferably more than 500,000 yuan.
8. The income certificate should be signed in black, and the amount should be in numbers and letters. The company's phone number should not be a mobile phone number, and it should not be altered. At the same time, there must be a company seal or a personnel seal.
Materials to be submitted when applying for commercial loans
House sales contract signed by the buyer and the seller
● The borrower (buyer) shall provide information:
1. ID card;
2. Household registration book (home page, household registration book home page, personal page, change page, home page in case of collective account)/temporary residence permit;
3. Academic certificate (junior college or above);
4. Professional title certificate (provide professional title);
5. Proof of marital status (marriage certificate, divorce certificate, court verdict, divorce agreement, single certificate)
6. Income certificate (affixed with company seal or personnel seal);
7. A copy of the business license of the unit shall be stamped with the company seal or personnel seal;
8. One-inch photo (recent bareheaded photo)1;