Processing of the bank loan need to prepare the information:
1. Valid identity documents;
2. Proof of residence or a valid certificate of residence, and proof of fixed residence;
3. Proof of marital status;
4. Proof of residence, and proof of fixed abode;
3. Proof of marital status;
4. Bank current;
5. Proof of income or proof of the status of personal assets;
6. Credit report;
7. A plan or statement of the purpose of the use of the loan;
8. Other information required by the bank.
The conditions required for bank loans:
(1) full capacity for civil behavior, urban residents with permanent residence or legally valid resident identification, bank loans require the lender's age is generally between 18-60 years old;
(2) to pay the first installment of the purchase price;
(3) have a stable and legitimate income, have the ability to pay back the interest;
(4) to pay the interest;
(5) to pay the interest;
(6) to pay the interest;
(7) to pay the interest, and to pay the interest. ability to pay interest;
(4) when filing a loan application, the homebuyer consists of no less than 30% of the purchase price of the free funds.
(5) The borrower agrees to use the purchased house and its interests as collateral;
(6) The property rights of the purchased second-hand house are clear and meet the conditions stipulated by the Beijing Municipal Government for access to the real estate market;
(7) The purchased house is not within the scope of the demolition and relocation announcement.
(8) Other conditions required by the lending bank.
The procedure of unsecured loan processing is generally divided into three steps:
(1) The customer submits basic information data, including work unit and contact number.
(2) The lending bank or company verifies the customer's credit information, including whether the customer's credit rating has a record of violation of the law, and for the self-employed and small and medium-sized enterprises (SMEs), it also needs to investigate the status of their business operations.
(3) The staff of the lending unit signs the contract with the customer and realizes the lending in the shortest possible time.