Application materials generally required for second-hand property loan applications: Identity documents: ID card, military officer ID card, etc.
Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
Documents proving the purpose of use: Documents proving the original ownership of the purchased property, the purchase contract, and the down payment receipt confirmed by the seller (if transaction fund supervision is adopted, proof of the entry of the supervision funds into the account is enough).
Proof of repayment ability (provide one or more of the following): Customers whose income is basically consistent with their local industry, occupation, and position, and whose income level is sufficient to meet their repayment needs, must provide proof of income.
For customers who are self-employed and whose income is significantly higher than the income level of the same position in the same local industry, they must provide supporting documentation proving the source of repayment.
Including but not limited to: 1. Provide salary statements or reliable salary lists issued by banks for more than three consecutive months (inclusive) in the past year. 2. Provide proof of shares held in relevant institutions and proof of dividend income from the shares.
material.
3. Provide proof of family assets, including financial assets or non-financial assets.
Our bank's salary agency customers can directly provide their salary agency account statements without the need for the unit to issue separate income certificates.
Customers who can provide social security account statements or personal tax returns do not need to provide proof of income from the company. Our bank will calculate the customer's income based on the relevant provisions of local social security account payment or tax policies; if you need to provide other information for this loan, we will handle it
The bank will also notify you in time, and you can also confirm this information in detail through the handling bank when applying for a loan.