Fushun commercial loan to buy a house: first, you sign a contract with the developer to see that CCB needs a down payment of 10%, and then provide the commercial housing sales contract, down payment invoice, ID card of both husband and wife, household registration book and marriage certificate (single and unmarried certificate). If accepted, it will generally be approved within three days, and then go to the bank to sign a loan contract, and then take the loan contract to the Housing Authority to handle the relevant mortgage procedures, and then put other items. 1. Information required for loan: 1. The borrower's valid ID card, household registration book and hand stamp. * Marriage certificate (indicating unmarried) * valid ID card, household registration book and marriage certificate of married spouse (both husband and wife are not in the same household registration) * marriage certificate of divorced spouse (indicating divorced and not remarried) and divorce certificate *2. Proof of borrower's income (official seal of the unit or seal of the labor department is required to be complete and true) 3. Seller's valid ID card, household registration book and hand stamp. Land use right certificate (II) Loan procedures A: mortgage loan 1, connector 2, appraisal fee = appraisal price *0.5% 2 appraisal working days 3. Loan Approval (Audit by Guarantee Company) The Credit Department informs the customer to go through the loan examination procedures at the designated bank, and the borrower and relevant personnel must be present in person for 7 working days to conduct the loan examination and approval. 4. After the transfer bank is approved, notify the buyer and the seller to go through the transfer formalities at the Housing Authority. 5. The transfer personnel who have obtained the license should go to the Housing Authority to obtain the license on the specified date. 6. The lender will hand over the warrant to the bank and release the loan within 3 working days. After receiving the loan and completing the loan procedures, the warrant department will hand over all the documents to the signing center, and the signing center will handle the closing procedures with the customer. China merchants bank mortgage 1. Materials required for loan application: Seller: property owner's ID card, household registration book, signature, house ownership certificate and land use right certificate; Buyers: ID card, household registration book (marriage certificate is required when husband and wife are not in the same household registration), divorce certificate, stamp, personal income certificate (China Merchants Bank and guarantee company version), and temporary residence permit for foreigners. Ii. loan related conditions: 1. The purchased house should meet the following conditions: * The private property house that has obtained the Property Ownership Certificate is used for living * The property right of the house is clear, transferable, unsecured and unlimited. 2. Determination of loan term: * loan term < 30 years (house age = loan handling year-house completion year+1) * loan term < 60 (male); < 55 (female) (civil servants and teachers can provide certificates that can be extended for 5 years) 3. Accurate loan amount: the loan amount is less than the mortgage value of the house * 70%, and the maximum loan ratio of the house area less than 50 square meters is 50% (subject to the mortgage value). The maximum loan ratio for a house with an area of 50-60 square meters is 60% (subject to the mortgage value). The maximum loan ratio for houses with an area of over 60 square meters is 70% (subject to the mortgage value). The maximum loan ratio for houses with age 15 to 20 years is 50%. The lowest price principle) 3. Loan related procedures: 1, receipt 2, appraisal fee = appraisal value *0.5% 2 appraisal working days 3. Submission 4. Guarantee fee for field investigation by guarantee company = loan amount * total principal and interest * amount 200 (guarantee company fee) 5. Witness fee for bank face-to-face signing = loan amount * 1. Attorney's fees) The Warrant Department informs the customer to go through the examination and approval procedures at the designated bank, and the borrower and related parties need to be present in person for loan examination and approval within 7 working days. 6. After the transfer bank is approved, notify the buyer and the seller to go through the transfer formalities at the Housing Authority. 7. The evidence transfer personnel will go to the Housing Authority to collect the warrants on the specified date. 8. Housing loan personnel will hand over the warrants to the bank for 3 working days to lend money. 9. After the loan is settled and the loan procedures are completed, the Certificate Department will hand over all documents to the signing center. The contracting personnel shall go through the closing formalities with the customer. 4. Remarks: 1. The borrower must be a non-agricultural registered permanent residence, with legal and stable income, good credit, no criminal record and the ability to repay the principal and interest of the loan on schedule. 2. If the borrower is the third loan in his name, the interest rate shall be subject to the national benchmark interest rate. 3. If the borrower is unmarried, a repayment partner or guarantor is required. 4. If the borrower is married, the spouse is required to be the repayment partner. 5. If the borrower is a foreigner or the credit reliability is not enough, it is necessary to provide a guarantor. The loan process of CCB's individual housing provident fund (portfolio): the materials required by the buyer and the seller: the property owner's ID card, household registration book, handprint, real estate license and land use certificate. Buyer: borrower's ID card, household registration book, stamp, provident fund card and inquiry form; If the borrower is married, it shall provide the spouse's ID card, household registration book and handprint (the husband and wife do not provide the marriage certificate of the same household registration); If the husband and wife have double loans, the borrower's spouse should provide the provident fund card and inquiry form in addition to the above information; If the portfolio loan exceeds the repayment ability of the provident fund, it is also necessary to provide the borrower's "Certificate of Fixed Economic Income of Employees" (CCB Edition). Loan process: collection →→→→→ issuance of evaluation report (the day of collection) →→→→ preparation before loan →→→ bank collection (every Monday and Thursday) → approval by banks and provident fund centers (about one week) → bank face-to-face signing (every Tuesday and Friday) → delivery and transfer →→→ taking other items (depending on the housing management bureau of each district) →→→ returning other items.