1. Can I apply for a loan using a credit card's running account?

No, the loan information required by the bank is mainly the income flow. The general loan preparation information is the savings card statement prepared by the loan applicant.

Documents required to purchase real estate with a mortgage loan:

1. Couple’s residence permit and household registration book;

2. Marriage certificate/divorce certificate or judgment/single certificate 2 copies;

3. Proof of income (format designated by the bank);

Copy of the photo (stamped with official certificate)

5. Credit certificate: including academic qualifications etc.;

6. If the borrower is a corporate legal person, it must also provide an annual inspection business license, tax registration certificate, organization code certificate, corporate articles of association, and financial statements.

Mortgage loan. To purchase real estate, you need to meet the following conditions:

1. Chinese residents with local urban permanent residence or valid residence status, aged 18-65 years old

2. Have stable occupation and income, Have good credit and be able to repay the principal and interest of the loan on time

3. Have self-raised funds of more than 20% of the total price of the house purchased, and guarantee that it will be used to pay the down payment of the house purchased;

4. Have assets recognized by the bank as mortgage or pledge, or an entity or individual with sufficient repayment capacity as a guarantor to repay the principal and interest of the loan and assume joint liability;

5. Have a house purchase contract or agreement , the price of the house purchased basically meets the assessed value of the bank or bank;

6. Other conditions stipulated by the bank

The process of buying a house with a mortgage loan:

1. . If buyers want to obtain housing mortgage services, they should focus on understanding this aspect when choosing a property. Buyers will learn about some items in advertisements or through introductions by sales staff to confirm whether the property developed and constructed by the developer is supported by the bank. , to ensure the smooth acquisition of mortgage loans.

2. After confirming that the property of your choice is supported by the bank's mortgage loan, the home buyer understands the bank's regulations on the bank's mortgage loan support, prepares relevant legal documents, and fills in the form. "Mortgage Loan Application"

3. The bank receives the legal documents related to the mortgage application submitted by the home buyer. After reviewing and confirming that the home buyer meets the conditions for the mortgage loan, the bank will issue the loan approval notice or mortgage loan to the home buyer. Letter of Commitment. The buyer will sign the "Commercial Housing Pre-Sale" immediately.

4. After signing the house purchase contract and obtaining the proof of payment, the buyer will contact the developer and the bank with the relevant legal documents stipulated by the bank. Sign the "House Mortgage Loan Contract" to clarify the interest rate, repayment method and other rights and obligations.

5. Home buyers, developers and banks bring the "House Mortgage Loan Contract" and the house purchase contract to the real estate management department. Go through mortgage registration and filing procedures. For off-plan properties, mortgage changes should be registered after completion. Under normal circumstances, because the mortgage loan period is relatively long, banks require home buyers to apply for life and property insurance to prevent loan risks. , the bank should be listed as the first beneficiary, and the insurance shall not be interrupted during the loan performance period, and the insurance amount shall not be less than the total value of the mortgage.

6. When signing the " For a house mortgage, a gold account is designated in the bank and a letter of authorization is signed authorizing the institution to pay the principal, interest and arrears of the loan in the bank and mortgage loan contract from the account. The bank is confirming the loan conditions and fulfilling the obligations stipulated in the "House Mortgage Loan Contract". After completing the relevant procedures, the loan will be transferred to the developer's bank supervision account at the bank at one time as the purchase price of the home buyer.

2. Can I get a loan if I have a credit union bank account?

It can be done

3. Can I get a loan with a credit card account?

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I am a financial practitioner. Currently, loans are mainly determined based on an individual's credit record and repayment ability. Credit records can be retrieved from the central bank, and repayment ability is mainly determined by income. Some other assets or income such as real estate, deposits, funds, and stocks can be used. The so-called turnover generally refers to the income turnover, which can accurately indicate your own income level.

Therefore, the vast majority use debit card transactions. Whether a specific credit card can be applied for depends on the evaluation method of the financial company.

Thank you

4. Can I apply for a credit card or loan with my ID number and name?

You cannot apply for a credit card or loan with only your ID number and name.

The original ID card and other information are required.

Documents required for a loan:

1. Lender’s ID card;

2. Lender’s credit information for the past six months, and the credit information is good;

3. Bank card transactions in the borrower’s name for the past six months without interruption;

4. Proof of residence of the borrower (rental contract, property certificate, water and electricity certificate for the past three months) , gas invoice)

5. Income certificate issued by the lender’s workplace.

The simple and popular understanding of a loan is to borrow money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.