1, loan application;
2. Legally valid identity documents (referring to resident identity cards, household registration books, military officers' cards, home visits for Hong Kong and Macao compatriots or other valid residence documents);
3. Proof of marital status (marriage certificate or divorce certificate, unmarried statement in a unified format signed by unmarried people);
4. Proof that the down payment of the purchased house has been paid;
5. Original or photocopy of the economic income certificate approved by the lender (including the borrower's family income, tax payment certificate, bank statement, bank passbook, securities, etc.). );
6, the purchase of housing contracts, agreements or other valid documents;
7. List of collateral (pledge) secured by the loan, certificate of ownership, certificate of consent of the person who has the right to dispose of the collateral (pledge) and collateral valuation documents;
8. The written documents and credit certificate of the guarantor's agreement to provide guarantee for him;
9. Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results;
10. Other information required by the lender.
Extended data:
The specific process of housing loan
1, select real estate
If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.
2. Apply for a mortgage loan.
After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.
3. Sign a house purchase contract
After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.
4. Sign a house mortgage contract.
After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.
5. Apply for mortgage registration and insurance.
Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.
Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.
6. Open a special repayment account
After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account.
The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract. After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.
Bank of China-Personal Second-hand Housing Loan
Bank of China-Personal First-hand Housing Loan
Baidu encyclopedia-house purchase loan