1, personal identity card,
2. Personal account books,
3. Personal marriage certificate (provide unmarried certificate),
4. Pay taxes or social security certificates continuously for one year or more.
Conditions for buying a house with bank loan:
1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;
2. Have a stable occupation and income;
3, have the ability to repay the loan principal and interest on schedule;
4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.
5, there is a contract or agreement to buy housing;
6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;
7. Other conditions stipulated by the lending bank.
Second, what materials do you need for a bank loan to buy a house?
1, loan application form;
2. Subscription agreement or sales contract;
3. identification;
Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located.
4 proof of income (including tax bill, bank deposit record and employer's confirmation).
Third, what is the process of buying a house with bank loans?
Step 1: The buyer and the seller prepare complete information to see a lawyer.
Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion;
Step 3: The bank reviews the evaluation report and the president signs the loan.
Step 4: Loan.
Question 2: Where can I get a personal loan in Hanzhong? If you need money urgently, it is recommended to handle it at the bank. The conditions for applying for small loans are:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
Microfinance processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
Question 3: How does Hanzhong handle the second-hand housing mortgage loan? What are the procedures? Process: signing the sales contract-the buyer and seller prepare the loan information-face-to-face bank signing-company evaluation-bank loan approval-transfer-mortgage registration-bank loan. Preparation materials: ID card, household registration book, marriage certificate, payment certificate (buyer), real estate license, etc.
Question 4: Does anyone in Hanzhong City, Shaanxi Province want to apply for a provident fund loan? When applying for provident fund loans, the following basic conditions shall be met:
1, with full capacity for civil conduct;
2, provident fund deposit certificate (or housing provident fund card);
3. Identity cards, household registration books and proof of marital status of the applicant and spouse;
4, where the unit normal deposit housing provident fund for more than one year (inclusive) of employees, must be normal deposit for more than six months (inclusive), and the monthly deposit of housing provident fund reached the minimum monthly deposit announced by the CMC;
5, workers in the purchase, construction, renovation, overhaul occupied housing behavior within five years (inclusive), can apply for housing loans;
6. If employees apply for loans for the first time and the second time, they need to pay a down payment of more than 20% (inclusive) of the purchase price;
7 have a stable economic income, good personal credit and the ability to repay the principal and interest of the loan.
Question 5: How can I apply for a loan if I work in Hanzhong and have social security accumulation fund? In addition to the fact that the bank is a small loan company, go directly to WeChat to pay attention to Xicaijin housekeeper or 360 to fill in your own information, and soon make a payment.
Question 6: Is there a wall full of small advertising loans for private loans in Hanzhong? Some companies offer interest-free loans of 3,000-50,000 yuan for three months.
Question 7: Hanzhong City Provident Fund Loan Application Report (model essay) How to write the application for housing provident fund loan?
XX City Housing Provident Fund Management Department:
I (gender), age, (marital status), am a permanent resident and full-time employee of the local cooperative city, and have paid the housing accumulation fund in your department in full every month. At present, the balance of my housing provident fund account is RMB, and I have not provided personal loan guarantee for housing provident fund to others (I have paid off the last housing provident fund for more than one year), which meets the conditions for applying for housing provident fund loans. At present, the area of the house () is () square meters, and the total price is (in words) 10000 yuan, and the paid amount is (in words) 10000 yuan, based on (payment invoice, purchase contract, approval documents for fund-raising house building, real estate license, second-hand transaction certificate, etc.). ). I hereby apply to your department (housing provident fund joint guarantee loan, wage passbook pledge provident fund loan, provident fund off-site housing home purchase guarantee loan), and the loan amount (in words). Please issue the Approval Form for Housing Provident Fund Loan Application to approve the loan.
Applicant:
date month year
Question 8: How to borrow bad credit information in Hanzhong? If you get a loan from a bank and your personal credit report has a bad record, then you can't get a loan at all. The loan bank will first apply to the credit information system of the People's Bank of China for checking your credit record.
Question 9: What are the procedures for housing provident fund loans in Hanzhong? To apply for housing provident fund loans, you need to provide the following information:
(1) Identity documents of the borrower and his spouse (resident identity card or other valid documents).
(2) the borrower's marriage certificate.
(3) Purchase payment voucher.
(4) proof of income of both husband and wife.
(5) Legal purchase contract.
(6) the borrower's housing provident fund deposit certificate.
(7) Seal of the borrower and spouse.
You need a provident fund card, a printed form of provident fund inquiry, an ID card, a household registration book, and the provident fund has been paid continuously for more than one year, which is basically enough.
As for the specific procedures, each city is different, even different systems in a city are different. For example, the railway system is a separate provident fund system, which is different from ordinary provident fund. So you need to talk about your city, the bank where the provident fund is deposited, and so on, and everyone will help you analyze it.
1. Materials to be provided for applying for commercial housing provident fund loans (1) The borrower and the original and photocopy of the borrower's resident identity card and household registration book (* * * with the borrower and guarantor) and the repayment commitment letter of * * * *; Provident fund (2) proof of marital status (if married, provide a copy of marriage certificate, and in other cases, the unit or police station will issue a certificate); (3) Legal commercial housing purchase contract or agreement; (4) Personal credit certificate provided by the borrower and the borrower's unit; (5) Effective proof that the borrower has paid not less than 30% of the house purchase price; (6) Effective guarantee certificate; (7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank. 2. Materials to be provided for second-hand housing provident fund loans Second-hand housing is handled with the purchased house as collateral. On the basis of providing the above information, it is necessary to supplement the following information: (1) copy of the seller's ID card and household registration book; (2) The original and photocopy of the real estate license; (3) An assessment report issued by an assessment agency recognized by the Provident Fund Management Center; (4) Tripartite agreement between the intermediary agency recognized by the Provident Fund Management Center and the buyer and seller; (five) mortgage registration shall be handled by the real estate transaction department at or above the district level. Second-hand housing provident fund loans can be handled through the entrusted bank. 3 units to raise housing provident fund loans should provide materials. Housing construction funds raised by the unit shall be handled centrally by the unit. When a unit applies for housing construction funds to the provident fund management center, it shall provide the following information: (1) approval from the Development Planning Commission; (2) State-owned land use certificate; (3) Construction project planning permit; (4) Construction land planning permit; (five) the construction permit. After the materials are approved, the provident fund management center and the fund-raising housing unit shall sign an agreement or guarantee contract in accordance with the relevant provisions of the Security Law.
Question 10: Is there anyone in Hanzhong who can lend money to the four major banks? Everyone who ran the bank was rejected! The four major banks lend 50 points. I suggest you forget it. It's hard.
If your credit information is good, just apply for a credit card. Pufa credit card will be used for a while, and there is universal money to withdraw.
The quota is not bad. Other China Merchants Bank and China Everbright Card are very good.