Application material
Application for credit business; The latest financial statements of the borrower and the mortgagor; Resolutions of the board of directors of the borrower and the mortgagor; Letter of commitment for credit guarantee issued by the mortgagor; Collateral ownership certificate and insurance certificate; An appraisal report on the value of collateral issued by an asset appraisal institution recognized by the bank; Description of payment plan and repayment source; Commercial contracts related to the purpose of the loan.
For details, please consult Hebei Shunheng Enterprise Qualification Agency Consulting Center and ask them to let you know more about mortgage loans.
2. What information should I prepare to apply for housing mortgage loan?
If there is China Merchants Bank in your city, the conditions and application materials required for each loan project are different. Please call 95555 at 8:30- 18:00 to choose 3 customer service -3-3-8 to learn more about the required materials.
Whether the loan application is subject to the comprehensive audit results of the department.
3. What materials are needed for mortgage loan?
What materials are needed for mortgage loan?
To apply for a bank mortgage loan, the applicant must meet the following conditions and documents before applying for a loan:
1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)
2. Identity cards of the obligee and his spouse
3, the holder and spouse's household registration book
4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans.
6. If the property owner has minor children, please provide birth certificate.
The procedure of housing mortgage loan is as follows:
(a) the borrower to fill in the application for residential housing mortgage before the loan, and submit the bank certification materials.
(two) the bank examines the borrower's loan application, purchase contract, agreement and related materials.
(3) The borrower shall hand over the certificate of mortgaged property and the insurance policy or securities to the bank for safekeeping.
(4) The guarantors of both borrowers and borrowers sign the Housing Mortgage Loan Contract and notarize it.
(5) After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.