1. Second-generation ID card, certificate of stable work, certificate of income and certificate of loan use; (Generally speaking, the average monthly income of the borrower shall not be less than 4,000 yuan)
2. Personal credit status is good.
3. Other relevant application materials
housing mortgage loan
1, stable income and good credit.
2. The service life of the house should be within 20 years, the area is over 50 square meters, and the house is highly mobile; Note: Under normal circumstances, the mortgage loan amount shall not exceed 70% of the appraised value of the house.
3. Other relevant application materials
housing mortgage loan
1, valid ID card and proof of marital status
2. Good credit record, repayment ability and willingness to repay.
3, the purchase of commercial housing sales contract or letter of intent and other related application materials.
At present, there are many lending platforms to choose from, and the loan methods, conditions, processes and time spent by different lending platforms are different. In the process of lending, we need to pay attention to the following points:
1 to avoid interest rate trap.
Give priority to borrowing from banks or other formal lending platforms and avoid borrowing from private lending companies. When borrowing money from the lending platform, ask what the annual interest rate of the product is.
2. Beware of malicious charges.
Many businesses will use "zero interest" as a gimmick to promote, but "zero interest" does not mean "zero cost", handling fees, service fees, platform operating fees and so on. Will quietly "spend" the money in your card. Therefore, when purchasing loan products, be sure to calculate the difference between the handling fee and the bank loan interest, and ask if there are any other extra fees. If the cost is high, you can apply for a bank consumption loan.
3. Avoid repeated blind applications leading to credit reporting.
Some friends go to the hospital when they need money badly. They don't know what kind of loan products they can apply for, so they apply everywhere, which will lead to credit investigation. If the number of credit inquiries in a month is 6- 10, it will affect the loan approval rate, especially for small loan companies. Therefore, some online loans should not be casually clicked, and there will be records after clicking.
When you need a loan, you should consult a bank or financial person in advance to know clearly where you are most sure to get a loan.