Spread out completely
Information on applying for housing loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);
5. Real estate title certificate;
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
Second, Suzhou loan purchase policy
1. There are two sets of commercial housing records in the personal name, one set has been paid off and sold, and the other set has not been paid off. In this case, if you refinance, the loan house will be counted as three suites; 2. There are two commercial loans in the name of the individual, both of which have been paid off and sold, and will be recognized as the third set when lending again; 3. A set of commercial housing loans under the name of the individual has been paid off, and another set of provident fund loans has also been paid off, and then the loan is used to buy a house; 4. Both husband and wife buy houses by commercial loans before marriage, and the other party buys houses by provident fund loans. After marriage, both of them buy a house in the name of * * *, which is also considered as three suites; 5. The situation that one of the husband and wife has a house without loan before marriage and has not sold it, and the other party buys it with a commercial loan for his parents, and then buys the house with a provident fund loan in the name of the one without loan after marriage; 6. Before marriage, both husband and wife have a house purchased in full under one party's name, and a house purchased by provident fund loan has been paid off and not sold. After marriage, the two want to apply for provident fund loans to buy a house in each other's name. 7. Before marriage, one of the husband and wife bought a house in full without a loan, and after marriage, they bought a house in full in the name of the other party. Now they are going to buy a suite with a provident fund loan in the same name. Generally speaking, the basic conditions for personal loans are: 1, 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate; 2. Have a stable legal income and proof, and have the ability to repay interest; 3. When the loan business needs a down payment, it has the ability to pay the full down payment; 4. If the personal loan amount is large, the collateral conditions required by the bank shall be met; 5, such as credit loans, need to have a good reputation; 6. Other conditions meeting the requirements of the bank. In addition to personal bank loans, there are also corporate commercial loans. For the loan business of large and medium-sized enterprises, bank loan requirements are also different from personal loans. The loan object of a commercial loan must be a commercial enterprise, that is, it has economic income, the prepaid value can be compensated and increased, and there is a source of funds to repay the principal and interest of the loan. Enterprise loan requirements should meet the legitimacy and independence of operation, have certain self-owned funds, open a basic account in a bank, have the ability to repay the principal and interest on schedule, and have good credit. In addition, it is also necessary to meet other requirements such as collateral required by banks. The specific loan requirements of each bank are different, and lenders need to go to specific banks for corresponding consultation. Second, the information to be issued and provided 1, the original and photocopy of the resident identity card; 2. The original and photocopy of the house subscription book; 3. The original and photocopy of the down payment; 4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.
3. What are the conditions for individual housing loan in Suzhou?
Information on applying for housing loan:
1. The borrower's valid ID card and household registration book;
2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce);
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;
4. The borrower's income certificate (local half a year);
5. Real estate title certificate;
6. Guarantor (marriage certificate is required, etc. ).
4.202 1 What are the conditions for foreigners to buy a house in Suzhou?
Conditions for foreigners to buy a house in Suzhou
1. Generally, foreign accounts need to provide Suzhou tax payment certificate or Suzhou social security certificate for more than one year (inclusive). Foreigners who want to buy a house in Suzhou need to go to the housing management department to issue a new qualification certificate.
2. Information is also required: application form for issuing new housing certificate. Original and photocopy of ID cards of myself and my family members. Marriage certificate or unmarried certificate. A tax payment certificate or social insurance payment certificate with a household registration of more than one year (inclusive).
3. Non-local registered families who own 1 set or more houses cannot provide tax payment certificates or social insurance payment certificates of 1 year or more in this city, and the sale of their houses in the urban area of this city is suspended.