First, the detailed application materials are as follows:
1. Work certificate: It can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the company official seal or personnel chapter), or verify the original by the promoter and indicate A copy of the work permit\ card; 2, identification: generally an identity card (if a new version of the ID card is used, a copy of the front and back is required), the military must provide a copy of the military certificate;
3. Financial proof: It can be a bank's payroll record, or income tax withholding certificate, or proof of room, car, deposit and investment market value (such as real estate license / car driving permit / bank deposit certificate) can prove financial resources Level of information. Other documents for reference include: list of social insurance personal accounts for nearly 6 months, water and gas bills, and other credit card bills.
Second, the concept of introduction:
1. A mortgage, also known as a houseMortgage
. Mortgage is an application for a homeowner to report a mortgage to a bank and provide legal documents such as an ID card.Proof of income
The documents required to be submitted by the house sale contract, guarantee letter, etc., after the bank has passed the examination, promised to the buyer to issue the loan, and according to the house sale contract provided by the buyer and the mortgage loan contract between the bank and the buyer. Real estate mortgage registration and notarization, the bank will directly transfer the loaned funds to the account of the bank in the bank within the time limit stipulated in the contract.
Refers to a loan issued in the creditworthiness of the borrower, the borrower does not need to provide a guarantee. The characteristic is that the debtor can obtain the loan only by virtue of his own credit without providing collateral or third-party guarantee, and the borrower's credit degree is used as the repayment guarantee. This kind of credit loan isBank of China
The main way of lending for a long time. Due to the high risk of this type of loan, it is necessary to conduct a detailed inspection of the borrower's economic benefits, management level, and development prospects to reduce risks. It is mainly applicable to enterprises (business) legal persons, other economic organizations, individual industrial and commercial households approved by the administrative authorities for industry and commerce, and meets the requirements of the General Rules for Loans and Banks.