1. Copy of ID cards of husband and wife.
Two copies of the household registration book of both husband and wife.
3. A copy of the marriage certificate of both husband and wife
4. Work certificates of both husband and wife
5. Proof of income of both husband and wife (6-month bank card flow)
6. Personal credit report of both husband and wife
7. Copy of real estate license
8. The purpose of the loan
Real Estate Certificate Mortgage Loan (Company)
1. Copy of ID cards of husband and wife.
Two copies of the household registration book of both husband and wife.
3. A copy of the marriage certificate of both husband and wife
4. Proof of income of both husband and wife (6-month bank card flow)
5. Personal credit report of both husband and wife
6. Business license, organization code certificate, tax registration certificate and articles of association.
7. Financial statements of the company in recent two years.
8. Profitability of projects completed by the company in recent two years.
9. The company's lease contract
10. Fixed assets under company name
1 1. loan purpose and repayment plan
Merchant's joint guarantee loan: refers to a joint guarantee team composed of three individual industrial and commercial households or sole proprietorship business owners with business licenses, who can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each merchant is temporarily 654.38 million yuan (200,000 yuan in some areas). Farmers' joint guarantee loan: refers to three to six farmers who form a joint guarantee team and can apply for loans from the Postal Savings Bank without other guarantees. The maximum loan amount for each household is temporarily 50,000 yuan. Handling process: the borrower only needs to form a joint guarantee team or find a guarantor and bring his ID card. If a merchant needs to carry a business license, he/she shall apply to the outlets offering small loans and accept the investigation and approval. After signing the contract, he can get the loan, and he can get the loan within 3 days at the earliest.