In real life, many families need to apply for loans, such as housing loans, car loans, business loans and so on. Some couples apply for a loan for the first time and don't know what documents are needed for the loan. Today, I will introduce you to the relevant content here.
When a husband and wife apply for a loan together, they need to bring the following documents: (1) the original ID card of both husband and wife; (2) household registration book; (3) marriage certificate.
Although couples need to carry only three kinds of documents when borrowing money, there are many other materials needed when borrowing money. For example:
1, proof of income of both husband and wife, such as salary flow, bank flow, tax payment certificate, etc. ;
2. Couples who borrow money to buy a house should provide a house purchase contract and a mortgage down payment certificate;
3. Couples who borrow money to buy a house should provide a car purchase contract and a car loan down payment certificate;
4. If mortgage loan or secured loan is handled, relevant information of collateral or guarantor shall be provided;
5. If the husband and wife loan is for decoration, study, travel, etc. , then you need to provide proof of the purpose of the loan;
Generally speaking, there are not many documents needed for husband and wife loans, which are basically ID cards, household registration books and marriage certificates, but other loan information will be more complicated.
What are the conditions for the couple loan of ABC?
Both husband and wife are adults.
1, with a stable job and income.
2. Have certain fund preparation, and be able to pay down payment and related expenses.
3. Both parties should have a good credit record and there is no breach of contract.
4. Both parties shall provide legal identification documents, ID cards and household registration books. Only with the above conditions can we apply for a husband-and-wife loan to ensure the feasibility of the loan.
What are the conditions for marriage certificate loan?
Marriage is a sacred and solemn thing, and it is also something that every country attaches great importance to. Different countries have unique laws and regulations to protect marriage, and China also has unique provisions on the contents of marriage certificate loans. So what are the conditions for a marriage certificate loan? What is a marriage certificate? A legal document issued by the marriage registration authority to prove the validity of the marriage relationship. The original is in duplicate, one for male and one for female. The style shall be uniformly formulated by the Ministry of Civil Affairs, printed by the people's governments of provinces, autonomous regions and municipalities directly under the Central Government, and sealed by the people's governments of counties, municipal districts and cities without districts. Marriage certificate must be affixed with photos of both men and women, and stamped with the special seal for marriage registration. If the marriage certificate is lost, the Civil Affairs Bureau may apply for a replacement. 1. Both husband and wife need to have legal China citizenship. 2. Both husband and wife should have stable income, and credit should not be tainted. Both husband and wife must be able to repay the principal and interest of the loan. 3. Both husband and wife need to have legal and effective housing contracts and agreements and other supporting documents required by the loan bank. Both husband and wife should raise more than 30% of the total house price, and can only buy a house with an area less than 90 square meters, so as to ensure that they can afford the down payment when buying a house. 5. When handling the marriage certificate loan, there must be assets approved by the bank that can be used for mortgage or pledge, or a legal person or natural person with sufficient compensation capacity as the guarantor. 7. Other conditions stipulated by the lending bank. As we all know, independent property before marriage belongs to personal property, and all property after marriage belongs to both husband and wife. Therefore, if couples want to buy a house with a marriage certificate loan, they must show their marriage certificate, because it belongs to * * * property and will not lead to the occurrence of property in the future divorce. In fact, the relationship between the loan and the marriage certificate is not particularly great. It is important to have collateral when lending. General loans require good personal credit, stable economic income and good repayment record. If all these are in line, then show your marriage certificate, and the bank will calculate it according to your monthly salary. The general loan amount is about four to eight times your monthly income! Marriage certificate loan belongs to the common property of both husband and wife, and husband and wife must distinguish it well, so don't make trouble because of such things. The amount of marriage certificate loan is mainly agreed according to the wages of both parties. For couples who need loans, they also need to know more!
What are the procedures for couples to buy a house loan?
High housing prices have made many newlyweds embark on the process of loan, not only newlyweds, but also it is necessary to borrow money to buy a house in today's society. There is not much difference in related procedures. First, it must be the appraisal of materials by relevant departments. After the relevant procedures are passed, the loan to buy a house is completed. Buying a house by loan refers to the loan business in which the buyer applies for a loan from the bank to pay the house purchase price with the building traded as collateral, and then the buyer pays the principal and interest to the bank in installments, also known as house mortgage loan. Mortgage means that the buyer fills in the mortgage loan application form to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. The bank promises to grant loans to the buyer after passing the examination, and handle the registration and notarization of real estate mortgage according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract. 1. Husband and wife * * * materials for buying a house with a loan 1, ID card (2 generations for both parties) 2. Household registration book: home page, index page and personal page 3. Income certificate: provided by the bank, just need to stamp the company seal on it. 4. Purchase contract. 5. marriage certificate: just take one. 6. The down payment receipt is 1, 2, 5 and 6, all of which should be copied in triplicate. 2. Matters needing attention in the process of handling the purchase of houses by husband and wife with loans. 1. The signing parties are present in person: in the process of buying a house, many signing processes are involved, such as signing a sales contract. Under normal circumstances, when * * * buys a house, the names of two people should be stated on the real estate license, and both parties should be present in person; If one party cannot handle it on the spot, it must go through the notarization authorization procedures. 1. In addition to signing the real estate sales contract, both parties shall be present in person when applying for mortgage and handling the transfer formalities. Experts explained that when applying for a mortgage, they sometimes apply in the name of husband and wife, so banks need to review the qualifications of both parties and sign at the same time when handling relevant procedures. 3. When handling the transfer formalities, in principle, it is required to be present at the same time, because according to the Property Law, whether the property purchased by husband and wife is owned by * * * or owned by * * * needs to be reflected in the sales contract and then stated in the property ownership certificate. Therefore, both parties need to be present to sign and confirm. However, if you can't be present, you must also go through notarization and entrustment procedures and explain related matters. Because it involves the interests of * * *, both husband and wife must have a clear agreement on ownership rights when buying a house with a loan. Once the husband and wife divorce, the responsibility for the loan will be clear. Therefore, it will definitely help them complete their own affairs, but there will be certain hidden dangers in accountability.
What is needed for husband and wife loans? This is the end of the introduction of husband and wife loans. I wonder if you found the information you need from it?