Does a credit card require a credit card?
Many friends now want bank loans because of financial problems, but generally banks require a mortgage, and credit loans do not require a mortgage. Do credit loans require a credit card?
1. You do not have to use a credit card to apply for a credit loan. Although credit cards will provide relevant credit loan services to high-quality credit card customers, users who do not have credit cards can also apply for credit loan products launched separately by banks.
2. As long as you have good credit, stable income, and the ability to repay principal and interest, users who do not have a credit card can try to apply for a credit loan.
3. Regardless of whether the user has a credit card or not, applying for a credit loan must pass the system review. If the user does not pass the review, the credit card will be useless.
To sum up, we know that credit loans do not necessarily require credit cards, so you can go to the bank for consultation.
Is a credit card necessary for a house purchase loan?
A credit card is not required for a house purchase loan, but if the credit card debt is not repaid and is blacklisted, it will affect your creditworthiness and you may not be granted a loan.
Loan conditions
The borrower must meet the following conditions at the same time:
(1) Have a legal identity.
(2) Have stable economic income, good credit, and the ability to repay the principal and interest of the loan.
(3) Have legal and valid contracts, agreements for the purchase, construction, and overhaul of housing, as well as other supporting documents required by the lending bank.
(4) Self-raised funds for more than 30% of the total price of the house purchased (for self-raised houses with a floor area of ??less than 90 square meters, the self-raised funds ratio is 20%), and Guaranteed to cover a down payment on a home you are purchasing.
(5) There are assets approved by the lending bank for mortgage or pledge, or (and) a legal person, other economic organization or natural person with sufficient solvency as a guarantor.
(6) Other conditions stipulated by the lending bank.
Extended information:
Loan information that the borrower needs to provide
(1) Valid identity certificate
1. Both the borrower and his wife ID card (original and two copies);
2. Household register (one copy of the original);
3. Marriage certificate (original and one copy) ;
4. If you are unmarried, you need to fill in the unmarried declaration, and our bank will keep the original copy;
5. Those who are divorced or widowed need to provide divorce certificate or agreement, judgment, and spouse’s death certificate (original and copy 6. A copy of the real estate certificate of the complete house actually owned by the members of the family to be purchased (including the borrower, spouse and minor children).
(2) Proof of income or relevant materials that can prove the borrower’s income and repayment ability
1. Proof of salary income: bank standard certificate or letter of introduction from the unit;
2. In addition to administrative institutions, national civil servants, general enterprises and limited companies other than state-owned enterprises, the borrower must provide company income certificates and three months of bank statements (bank seal confirmation is required);
p>3. Lease income (original and a copy of the lease contract);
4. Other certificates of rights (such as time deposit certificates, treasury bonds, investment insurance policies, etc.);
< p>5. Private business owners and individual industrial and commercial households must provide business licenses, organization code certificates, tax registration certificates, tax payment certificates for the past three periods and three-month statements of public accounts.