First, the detailed application information is as follows:
1, Proof of work: It can be the original proof of work issued by the office unit (please specify the name of the company, department, position and income, and affix the company seal or personnel), or the promoter verified the original and indicate Of the work permit \ card copy; 2, identification: usually ID card (if you are using a new ID card, positive and negative photocopies), military personnel need to provide copies of military certificates;
3. Proof of financial resources: It can be proof of financial resources such as bank payroll on behalf of employees, or withholding certificate of income tax, or certificates of market value of houses, vehicles, deposits and investments (such as photocopies of real estate certificates / vehicle driving certificates / bank certificates of deposit) Horizontal information. Other documents available for reference include: nearly six months of social insurance personal accounts list, water, gas bills, his credit card bills.
Second, the concept of introduction:
1, mortgage, also known as housingMortgage
. Mortgage, home buyers to the bank by filing a mortgage application and provide legal documents such as identity cards,Proof of income
, The sale of housing contracts, letters of guarantee and other required documents must be submitted to the bank after passing the examination, promised to buyers loans, and in accordance with the buyers and sellers to provide real estate sales contracts and mortgage buyers and the bank entered into a contract for the mortgage Real estate mortgage registration and notarization, the bank within the time limit specified in the contract, the loan funds directly into the sale of units in the bank's account.
Refers to the loan issued by the borrower's credit, the borrower does not need to provide security. The feature is that the debtor can obtain a loan without credit or third party guarantee based on his own credit, and use the borrower's credit rating as a guarantee for repayment. This type of credit isBank of China
The main long-term loans. Due to the large risk of such loans, it is generally necessary to conduct a detailed investigation of the borrower's economic benefits, management level and development prospects so as to reduce the risks. It is mainly applicable to enterprises (enterprises), other economic organizations and 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 Bank Regulations.