First, the loan to buy a house requires documents.

Self-employed persons shall provide their business licenses (check the original and keep a copy) for their valid identity certificates (ID card, residence booklet or other valid residence certificates).

Second, the loan to buy a house requires materials:

1. Submit individual housing loan application;

2. Submit a copy of your ID card;

3, approved by the handling bank, issued by the relevant departments of the borrower's stable income certificate or other proof of solvency;

4, the legal purchase of housing contracts, agreements and related approval documents;

5. It is necessary to provide a list of collateral or pledge rights and ownership certificates, and a collateral evaluation report issued by an evaluation agency recognized by the loan bank;

6. A written commitment issued by the guarantor agreeing to provide a guarantee and a credit certificate of the guarantor are required;

7. Relevant bank deposit certificates, voucher-type treasury bonds and other securities that the borrower intends to pledge to the lending bank;

8. Need to apply for house sales (pre-sale) license or real estate certificate;

9. If a spouse and his/her * * * apply for a loan, they should clearly fill in the relevant information of the spouse on the loan application form, and show their marriage certificate and household registration book;

10. Other documents and materials specified by the lending bank.

The second is the information needed for real estate development project loans. How to write the written application of the enterprise? Thank you.

It is better to have a calculation, that is to say, how much is the total area, how much is the saleable area, how much is the selling price, and how much is the total sales.

How much is the construction cost and all taxes?

When you subtract two, you get a net profit.

Try to speak with data. If there are any government preferential or supportive policies, we should also write them down.

3. How do enterprises apply for project loans from banks? What information does the enterprise need to submit? thank you

loan application

Copy of business license stamped with official seal

Copy of tax registration with official seal

Copy of legal person code with official seal

Copy of legal person ID card

Information required for loans for real estate development projects How to write a written application for enterprises, thank you.

1 Apply for housing development loan

Real estate development enterprises apply for housing development and residential construction, but may not apply for the construction of high-grade apartments and villas. Apply for the land use right of the project; (2) The integrity, authenticity and validity of the project approval documents have been recognized for the loan project; (3) the housing market demand for the declared purpose and function of the loan project; (4) The project budget and construction plan of the loan project comply with the relevant provisions of the state and local governments; (5) The project budget of the loan project is sufficient; (6) The lender's own funds to be invested in the loan project shall not be less than the specified proportion, usually 25%, and can be used for project construction.

When a real estate development enterprise applies for a real estate development loan from a bank, it shall provide: (1) loan application form; (Copy of tax registration certificate and 2 copies; (4) Capital verification report; (5) the accounting statements of the previous year and the accounting statements of the month before applying for the loan; (6) documents or plans that can be developed by the project; (7) Qualification certificate of real estate development enterprise; (8) Providing annual inspection registration documents, tax registration certificates and other related materials issued by third-party guarantors, as well as financial statements of guarantors; (9) List of collateral (pledge) and proof of property right, and proof that the person who has the right to dispose of it agrees to mortgage (pledge).

The borrower's loan application has been examined by the bank according to the national industrial policy, credit policy and laws and regulations on loan handling. The borrower should further accept the bank's pre-loan investigation, which mainly includes: (1) the borrower's personality, including his capital quality, repayment willingness, etc. ; (2) The borrower's reputation mainly depends on whether the borrower's original debt can be repaid on time and whether there are bad bank records. ; (3) The borrower's solvency, that is, whether the borrower has the ability to repay the principal and interest of the loan, whether the source of repayment funds is stable, and whether the principal and interest can be repaid on schedule; (4) the borrower's profitability and the borrower's own expected profitability; (5) Information of all parties to the loan project, including the preliminary work of the development project, whether the development plan is implemented, whether the urban planning and setting are accurate, whether the construction conditions are met, whether the construction permit is obtained, and the pre-sale of the development project, etc. ; (6) Guarantor's guarantee ability, which mainly examines whether the guarantor has a guarantee and has provided guarantees for other borrowers; (7) Whether the collateral meets the requirements and whether the collateral has been set. If the borrower meets the loan conditions through bank investigation and reports to the handling bank for approval step by step, if the loan is guaranteed by a third-party legal person after approval, a guarantee contract may be signed; If it is a guarantee, sign a mortgage contract; If the loan is secured by securities pledge, a pledge contract must be signed. The borrower will be punished by the bank if he uses the loan in the way of loan issuance, or fails to pay off the loan within the fixed time limit as agreed in the contract. The borrower provides false balance sheets, profit and loss statements and other information to the lending bank, such as the bank, account number, deposit balance, etc. Failing to use the loan according to the purpose agreed in the loan contract, and still failing to make corrections after being pointed out; If the bank refuses to investigate, the lending bank can advance the unused loan. Before the loan expires, if the borrower fails to pay off the loan on time, and it is really necessary to extend the loan after being audited by the bank, the bank shall sign a letter with the borrower and guarantor (or mortgagor or pledger) as an annex to the original loan contract. The extension of short-term loans shall not exceed the term of RMB loans, and the extension of medium-term loans shall not exceed half of the original loan term. If the interest rate of loan extension is different, the loan interest will be calculated and collected according to the new term and grade interest rate from the date of extension. If the borrower applies for a loan extension in the loan, but it is not approved by the bank, the bank will charge a penalty interest at a daily interest rate of 0.4‰ from the day after the loan expires until the loan principal and interest are recovered.

2 procedures for applying for housing construction loans

Non-development enterprises applying for housing construction loan is a kind of fixed asset loan for building and selling housing for content workers. Non-development enterprises applying for housing construction loans must meet seven conditions (1) to (5), (8) to (9), and must also have a housing construction plan approved by the competent department, and the self-raised funds must reach the prescribed proportion. Through bank investigation and evaluation, those who meet the relevant requirements of housing construction loans can sign various contracts related to housing loans and obtain housing construction loans after examination and approval. The procedures for non-development enterprises to obtain housing construction loans are basically the same as those for development enterprises to obtain housing development loans.

3. Procedures for applying for policy-based housing construction loans and related matters

Development enterprises applying for policy-oriented housing development and construction loans need to apply to the housing fund management center, which will be incorporated into the housing fund use plan, and handle housing construction loans in accordance with the housing fund management center's unit housing entrusted loan method and the housing fund management center's unit housing entrusted loan approval procedures. The loan amount for policy housing construction shall be arranged by the housing fund management center according to the capital demand of the construction unit. The loan term is generally 1 ~ 3 years, and the loan interest rate is subject to the fixed asset loan interest rate stipulated by the People's Bank of China. The loan interest shall be settled quarterly. According to the regulations of the People's Bank of China, overdue loans and misappropriated loans are charged with penalty interest at the daily interest rate of 0.4‰ and 0.60.4‰ respectively.

When handling the policy housing construction loan, the unit shall provide two loan applications to the housing fund management center, fill in the Application Form for Unit Housing Loan in triplicate, and submit a copy of the business license, recent accounting statements, the project investment plan of the Planning Commission, and the Construction Project Planning Permit and the Construction Project Start Permit issued by the municipal and district planning and construction departments for new houses (if it is a local matching fund loan for housing projects, Need to provide the investment plan for housing projects jointly issued by the Municipal Planning Commission and other departments, the list of tasks for the development and construction of well-off housing issued by the Municipal Housing Office, the tax exemption certificate for well-off housing and other related planning documents); The plan or plan of the newly-built house; The guarantee agreement signed by the borrower and the guarantee unit; The recent accounting statements of the guarantee unit; The mortgage agreement signed by the borrower and the entrusted bank; Mortgage information such as the assessment report of the borrower's collateral. After the initial examination, the housing provident fund management center considered that it met the loan conditions, and began to entrust the loan bank to conduct evaluation and audit, and then the housing provident fund management center approved it. After approval, the bank is entrusted to handle the specific loan procedures.