China people, foreigners and compatriots from Hong Kong, Macao and Taiwan who have reached the age of 18, have full capacity for civil conduct, have a legal and stable source of income, and have a good credit standing can apply for a credit card with their valid identity documents.

The materials to be provided are as follows:

1. Identity information: copy of resident ID card or military officer's card; Hong Kong and Macao compatriots provide copies of their mainland travel permits and residence certificates for more than one year; Foreigners can provide copies of passports and residence permits for more than one year.

2. Proof of work income: proof of salary and a copy of social security (paid for more than half a year).

3. Auxiliary materials for applying for a bank credit card: education background, professional title, professional qualification certificate, self-owned real estate license, self-owned car driving license, telephone number of current residence in the last three months, original vouchers of water, electricity and gas expenses, etc.

Bank of Communications mortgage loan How to apply for Bank of Communications mortgage loan application materials are as follows: (1) Personal loan application form; (2) Identification certificates of the borrower and spouse (resident ID card, passport, household registration book, etc.). ) and marriage certificate; (3) Pre-sale contract or sales contract of commercial housing; (4) proof of down payment; (5) Proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). ); (6) mortgage certification documents; (seven) other information required by the bank. Bank of Communications mortgage loan processing flow: (1) Application: The borrower fills in the application form at the loan processing outlet with the above application materials. (2) Loan approval: The bank investigates the borrower's guarantee and credit standing, conducts approval according to procedures, and informs the borrower of the approval result. (3) Loan signing: After the borrower's application is approved, the bank signs a loan and guarantee contract with the borrower and goes through the mortgage registration procedures. (4) Loan issuance: After the borrower completes the relevant procedures and is verified, the bank will issue the loan.

How to calculate the amount of bank mortgage loan? Bank mortgage loan amount: if the construction area is more than 90 square meters, the maximum loan amount is 70% of the transaction price of the purchased house; If the building area is 90 square meters or less, the maximum loan amount is 80% of the transaction price of the purchased house.

Satisfied, please adopt.

What are the requirements for applying for a credit card with a mortgage? As usual! Just one ID card!

Why should a bank mortgage loan be mortgaged? When buying a house by mortgage, the real estate license is generally mortgaged in the local real estate trading center, and the real estate management department issues his right certificate. Banks issue loans with other certificates of rights and keep them properly. After the loan is paid off, you can only get the real estate license from the real estate management department with the loan settlement certificate and his right certificate issued by the bank.

What procedures do individuals need to go through after the bank mortgage loan is paid off? Hello, after the loan is purchased, the loan applicant can apply for a full invoice when the loan bank issues the loan. After the mortgage is settled, you need to contact the bank to issue a loan settlement certificate, and then go through the mortgage cancellation procedures.

The general process of buying a house by loan is as follows:

1. Before handling the loan, the borrower should know whether the purchased building has a letter of commitment from the bank to provide personal housing mortgage loan. Then, the borrower applies for personal housing mortgage loan, fills in the loan application approval form, and submits the original and photocopy of relevant materials (down payment certificate, sales contract, ID card, proof of economic income source, etc.). ) to the loan bank;

2. Developer: As the loan guarantor, sign and seal the "Guarantor's Opinion" column of the loan application approval form;

3. Loan bank: the bank staff will review all the materials and documents submitted by the loan applicant and approve them step by step;

4. The loan bank takes back the completed materials and issues loans according to the legally effective loan contract;

5. Property right registration notary office of Land and Resources Bureau: handle the registration formalities of property right mortgage;

6. Inform the developer to recover the loan contract, and the developer will issue a certificate of paying off the house price to the lending institution;

7. Inform the borrower to recover the loan contract, IOU and insurance policy;

8. The bank staff of the loan bank will file the loan file.

Is the card issued by the bank mortgage loan a debit card or a credit card? Debit card, credit card! Debit card is your mortgage card, and credit card will deduct money if it forgets to repay! The two cards are related, you just need to return the credit card! In some cases, it is! Some banks issue debit cards!

The basic process of handling bank mortgage loans in 2002 is as follows:

On-site inspection:

Loan officers, intermediaries, appraisers, buyers and sellers go to the housing site to apply for mortgage loans to conduct on-site investigation of the housing;

Property right verification;

The property owner and co-owner (seller) bring the original ID card and real estate license to the Housing Authority to submit the original ID card and real estate license and go through the relevant formalities;

Sign the contract:

The bank carefully checks and verifies the original information of the customer, identifies the authenticity of all signatories, supervises the signature of the customer, collects the original real estate license and deposit (the specific amount is determined by the buyer and the seller), copies the information, and reminds both parties to go to the bank to handle the account;

Fill in the contract:

The bank arranges the information according to the relevant information provided by the customer and fills in the contract;

Payment obligation:

After the bank's fee is pre-approved, it will inform the customer to pay;

Transfer of property rights:

With the help of the Housing Authority, the buyer and the seller go through the formalities of property right transfer; The Lender prepares relevant materials to go through the mortgage formalities at the bank;

Bank loan.

How to handle the mortgage loan of Ping An Bank in Xiamen? What materials are needed? The required materials include husband and wife's ID card, household registration book, marriage certificate, signature, running water, income certificate, etc.

What should I do if I lose my bank mortgage ID card? If I borrow money from China Merchants Bank, I need to provide the original ID card. Please reissue your identity before handling, or check with the loan handling bank.