1. Personal ID card;
2. Personal household register;
3. Personal marriage certificate (if unmarried, provide proof of unmarried status);
4. Proof of continuous payment of personal income tax or social security for more than one year.
Conditions for bank loans to buy a house:
1. Have legal residence status; those applying for policy-based personal housing loans should have permanent residence in the local area;
2 , Have a stable career and income;
3. Have the ability to repay the principal and interest of the loan on time;
4. Have assets recognized by the lending bank as mortgage or pledge, or (and) have Guarantors who meet the specified conditions provide guarantees. A guarantor who meets the prescribed conditions guarantees it.
5. There is a house purchase contract or agreement;
6. When applying for a loan, there is no less than 30% of the funds required for house purchase to be deposited with China Construction Bank, and the application is policy-based For personal housing loans, the housing provident fund should be paid and deposited with the China Construction Bank in accordance with regulations;
7. Other conditions stipulated by the lending bank.
2. What materials are needed to buy a house with a bank loan
1. Loan application form;
2. Subscription agreement or sales contract;
3. Identity proof;
Identity proof refers to foreign passports, Taiwanese passports and household registers, Hong Kong and Macao ID cards, return permits, and work permits.
4. Proof of income (including tax forms, bank deposit records, and unit certificates).
3. What is the process of buying a house with a bank loan?
Step one: The buyer and seller prepare all the information and meet with the lawyer.
Step 2: The appraisal company evaluates the house, and the lawyer issues a legal opinion;
Step 3: The bank reviews the appraisal report, and the president signs the loan.
5. Other conditions required by the bank.
Small loan process:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face communication with banks or lending institutions;
4. The bank reviews the qualifications of the lender;
5. Pass the review and successfully release funds.
Question 3: How to apply for mortgage loans for second-hand houses in Hanzhong City, what are the procedures? Process: Sign the sales contract - the buyer and seller prepare loan information - bank interview - evaluation by the appraisal company - bank approval - transfer - mortgage registration - bank loan. Prepare materials: ID cards of the buyer and seller, household register, marriage certificate, receipt certificate (buyer), real estate certificate, etc.
Question 4: Are there any individuals in Hanzhong City, Shaanxi Province who want to apply for provident fund loans with 70 points? They should meet the following basic conditions:
1. Have full capacity for civil conduct;
2. Proof of provident fund payment (or housing provident fund card);
3. ID card, household register and marriage status certificate of the applicant and his spouse;
4. Application The ID card, household register and marriage status certificate of the person and his/her spouse;
4. All employees who have paid and deposited the housing provident fund normally in the unit for more than one year (inclusive) must pay and deposit the housing provident fund normally for 6 consecutive months. Months (inclusive) and above, the monthly housing provident payment amount reaches the minimum monthly payment and deposit amount announced by our committee;
5. From the date when the employee purchases, constructs, renovates, or overhauls his or her self-occupied housing, 5 During the year, you can apply for a home purchase loan;
6. If employees apply for a loan for the first or second time, they need to pay a down payment of 20 (inclusive) of the purchase price;
7. Employees are purchasing , Construction, renovation, and overhaul of self-occupied housing can be applied for home purchase loans within 5 years from the date of purchase, construction, renovation, and overhaul of self-occupied housing;
8. Employees can apply for home purchase loans within 5 years from the date of purchase, construction, renovation, and overhaul of self-occupied housing. , you can apply for a home purchase loan;
9. Employees can apply for a home purchase loan within 5 years from the date of purchase, construction, renovation, or overhaul of their own housing. Stable economic income, good personal credit, and the ability to repay the principal and interest of the loan.
Question 5: I work in Hanzhong and have social security funds. How do I apply for a loan? In addition to banks, there is also a small loan company, Huabei. You can directly follow Xicai Financial Management on WeChat or fill in your information on 360, and you will be able to place a loan soon
Question 6: There are many banks in Hanzhong where you can get private loans Small advertisement, the installment company has a three-month interest-free loan of 3,000-50,000
Question 7: How to write a provident fund housing loan application report in Hanzhong City (template)
XX City Housing Provident Fund Management Department:
I am (gender), age 1, (marital status), a permanent resident of the local cooperative city with an urban household registration, and a formal employee who has fully paid the housing provident fund with you. The current balance in my housing provident fund account is RMB, and I have not provided housing provident fund personal loan guarantees to others (my last personal housing provident fund payment has been more than a year ago), and I am qualified to apply for a housing provident fund loan. Currently, due to the purchase of a unit (basic construction, self-built house, overhaul) house ( ), area ( ) square meters, the total price is (uppercase) ten thousand yuan, (uppercase) ten thousand yuan has been paid, and there are (payment invoice, house purchase contract, Capital construction approval document, real estate certificate, second-hand housing transaction certificate, etc.) as evidence. I am specifically applying to your department (housing provident fund loan, provident fund loan against wage passbook pledge, provident fund housing purchase guaranteed loan), loan amount (in capital letters). Please issue the "Housing Provident Fund Loan Application Approval Form" and approve the loan.
Applicant:
Year, Month, Day
Question 8: How to get a loan with bad credit in Hanzhong If you get a loan from a bank, your personal credit report is bad If it is recorded, you will not be able to get a loan at all. The lending bank will first apply to the People's Bank of China credit system to check your credit record.
Question 9: How to get a loan from the Hanzhong Housing Provident Fund? What procedures are required for a Hanzhong housing provident fund loan? To apply for a housing provident fund loan, you need to provide the following information:
(1) Identity documents of the borrower and his spouse (resident ID card or other valid documents).
(2) Borrower’s marriage certificate.
(3) House purchase payment voucher.
(4) Proof of income of both spouses.
(5) Legal house purchase contract.
(6) The borrower’s housing provident fund payment certificate.
(7) Seals of the borrower and spouse.
You need a provident fund card, a printout of the provident fund inquiry, an ID card, a household register, and continuous provident fund deposits for more than one year. These are basically enough.
As for the specific process, every city is different, and even the systems in different cities are different. For example, the railway system has a separate provident fund system, which is different from the ordinary provident fund. So you need to tell us your city, the bank where you deposit your provident fund, etc. so that we can analyze it for you.
1. Materials required for commercial housing provident fund loans (1) Resident ID cards, originals and copies of household registration books and** *Same as repayment commitment letter; Provident Fund (2) Proof of marital status (if married, provide a copy of the marriage certificate, in other cases, the certificate shall be issued by the unit or police station); (3) Legal commercial housing purchase contract or agreement; (4) Borrower , the loan contract or agreement of the person who borrows money to buy a house, the person who borrows money to buy a house, the person who borrows money to buy a house, the person who borrows money to buy a house, or the person who borrows money to buy a house. Contract or agreement; (4) Personal credit certificate provided by the borrower and the lender's employer; (5) Valid proof that the borrower has paid no less than 30 RMB of house purchase money; (6) Valid proof of guarantee; (7) Application For housing provident fund loans for off-plan properties, the developer must sign a building mortgage agreement with the entrusted bank, and the borrower can handle the loan procedures through the mortgage bank. 2. Materials required to apply for a second-hand housing provident fund loan. If you purchase a second-hand house as a mortgage guarantee, in addition to the above information, you must also add the following information: (1) Copy of the seller’s ID card and household registration book; (2) Original property certificate and Copy; (3) An evaluation report issued by an evaluation agency recognized by the Provident Fund Management Center; (4) A three-party agreement signed between an intermediary agency recognized by the Provident Fund Management Center and the buyer and seller; (5) A three-party agreement signed by the buyer and seller; (6) ) A three-party agreement signed by the buyer and seller; (7) Second-hand housing provident fund loan, the borrower can obtain a loan through a mortgage bank. (4) The intermediary agency recognized by the Provident Fund Management Center signs a tripartite agreement with the buyer and seller; (5) The real estate transaction department at or above the district level handles mortgage registration. Second-hand housing provident fund loans can be handled by authorized banks. 3. Materials required for provident fund loans for unit-funded housing construction. Unit-funded housing construction shall be handled centrally by the unit. Units shall provide the following materials when applying to the Provident Fund Management Center: (1) Project approval from the Development Planning Committee; (2) State-owned land use certificate; (3) Construction project planning license; (4) Construction land planning license; (5) Construction project construction license. After the materials are reviewed and approved, the provident fund management center and the capital construction unit will sign an "Agreement" or "Guarantee Contract" in accordance with the relevant provisions of the "Guarantee Law".
Question 10. Is there anyone in Hanzhong who offers guaranteed loans from the four major banks? Personal bank application was rejected! 50 points I suggest you not consider loans from the four major banks. It's very difficult.
If your credit is not bad, just apply for a credit card.
If your credit is not bad, just apply for a credit card. I suggest you not consider loans from the four major banks first. It is difficult.
If your credit is not bad, just apply for a credit card. I suggest you not consider loans from the four major banks first. It is difficult.
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