I. Supplementary information:
1. In general, the following conditions shall be met:
First of all, he is a resident of Chinese mainland, aged 18-60, and can provide personal identification (ID card, household registration book, marriage certificate, etc. ). Secondly, it has a fixed address and work and business premises, and can provide proof of address (house lease contract, water and electricity bills, etc.). ). Third, have a stable source of work or economic income, have a good credit status, and can provide proof materials such as bank account number and labor contract. Finally, it has no bad credit record, and the loan cannot be used for purposes prohibited by state orders.
2. According to the requirements of electronic signature law for reliable electronic signature, a reliable electronic signature is considered to be in compliance with the law only if it meets these four elements: (1) whether the digital certificate belongs to the electronic signer; (2) Whether the contract is signed by an electronic signer; (3) Whether any changes in the signed electronic signature can be found; (4) Whether the person who signed the electronic document and the change can be found.
Second, the extended information:
Face-to-face signing at the bank refers to the procedure that when buying a house loan, the borrower (together with the repayment person or guarantor) pays the loan expenses at the loan bank with the legal and valid original certificate, seal and loan expenses, and then interviews and signs.
In the sale of real estate, after the buyers and sellers sign the sales contract, the buyers who need to apply for loans need to apply for loans from the bank. Sign a preliminary agreement with the bank to buy a house and fill in the information. After the contract and invoice are ready, the bank will review the information and then ask for an interview. When applying for a loan when buying a house, you need to pay more attention to some precautions when signing in the bank to avoid unnecessary trouble:
1. proof of income: affixed with the official seal of the company or the seal of the human resources department. Nothing can change. The proof of income must ensure that the monthly payment is more than twice, otherwise the loan amount will be affected. If the income is not enough, you can increase borrowers. If there are other loans that have not been paid off, the income certificate must be more than twice the sum of the monthly repayments of all outstanding loans before it can be approved.
2. Married: Both husband and wife should be present, with household registration book, marriage certificate, education certificate, income certificate, running water, copy of business license, official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), bank card, etc.
3. Unmarried words: ID card, household registration book, education certificate, income certificate, running water, copy of business license with official seal (not required for state-owned enterprises, institutions and Fortune 500 companies), and bank card.
4. If it is a second suite, you need to provide 1 the title certificate and loan contract (settlement certificate) at the time of purchase.
5. Online signing contract: At present, it is necessary for all banks to review online signing contracts, so online signing contracts must be provided. The bank approves the loan amount according to the principle of lower house appraisal value or online contract price.
6. It should be reminded that you must confirm the liquidated damages for early repayment with the bank.