1, the original and photocopy of the ID cards of both husband and wife;
2. The original purchase contract or letter of intent signed with the seller;
3. The original and photocopy of the down payment certificate;
4. Proof of marital status: original and photocopy of marriage certificate/divorce certificate/unmarried certificate;
5. The original and photocopy of the household registration book;
6. Original credit certificate (using the standard format provided by the bank).
Due to the complicated income situation of the borrower, the staff may require the original and photocopy of other relevant certification materials. If the borrower is a self-employed, the staff can provide a copy of the business license, the tax payment certificate for the last three months, the property right certificate of the business premises or the lease contract;
If the borrower is the legal representative, responsible person or shareholder of the enterprise, it shall produce a copy of the business license, articles of association, recent balance sheet and tax payment certificate;
If the loan applicant indicates that there are other sources of income other than wage income, relevant certification materials shall be submitted. Such as interest income, certificates such as certificates of deposit and treasury bills should be provided; Housing rental income, should provide housing property certificate or lease contract; For investment income, the investment certificate, dividend resolution and payment voucher of the invested entity shall be provided.
7. Other information required by the bank.
Second, the second-hand housing loan process
Second-hand housing loan process 1:
After the buyer and the seller sign a house purchase contract and pay the down payment, they apply for a loan in the bank. Fill in the loan application form (if married, both husband and wife are invited to come together), and the center staff will issue a loan commitment letter after approval, which will serve as the basis for the buyers to handle the loan procedures.
Second-hand housing loan process 2:
To receive the receipt of loan payment voucher for loan contract with the original ID card, the required process is: acceptance counter (accepting loan application)-safe (handling insurance)-signature counter (signing loan contract)-notarization counter (handling contract notarization)-signature counter (receiving loan contract).
Second-hand housing loan process 3:
After obtaining the loan commitment letter and handling insurance for the mortgaged house, you can sign a loan contract and mortgage contract with the bank with the above information and loan commitment letter, savings passbook and savings card of CCB to be used for repayment, credit card and insurance policy of CCB, and go through notarization procedures (if the buyer is married, both husband and wife need to come together).
If the husband and wife or one of them can't come to sign the contract in person, it is necessary to authorize the other party or a third party to handle the loan-related procedures on their behalf. The power of attorney must be notarized and the trustee has the right to entrust.
The above is the introduction of "what materials are needed for handling second-hand housing loans" and "second-hand housing loan process". In fact, handling second-hand housing loans is largely a procedural process. Banks have clear regulations on the process of second-hand housing loans, and buyers can handle them according to the requirements of banks. However, there is no guarantee that banks will not harm the interests of buyers in the process of handling second-hand housing loans, such as adding some unreasonable terms to the loan contract. Therefore, property buyers can consult lawyers when handling second-hand housing loans, and they will ask you for the most favorable opinions.