Nowadays, many people will choose to buy a house with a loan, and when applying for a house loan, the buyer will take the materials to the loan bank for face-to-face signing. So, do you know about the bank face-to-face signing, and what materials do you need to prepare? Next, let's have a look!
1、 What is a bank signature?
The so-called bank face-to-face signature means that the lender (together with the joint repayment or guarantor) prepares the original legal and valid documents and other materials, pays the expenses required for the loan to the lending bank, and carries out the procedures of interview and signature.
It should be noted that the face-to-face signature must be signed by the lender in person and cannot be replaced by others.
2、 What information do you need to bring when signing?
1. Provide marriage certificate
One of the more important aspects of bank face-to-face signing is to understand the repayment ability of the lender. Therefore, for the house purchase behavior with the family as the unit, it is necessary to mention
Proof of marriage and registered permanent residence are important prerequisites for judging the repayment ability of home buyers. If the buyer is divorced, the divorce certificate (divorce certificate and divorce agreement) shall be provided. If he has no marriage experience, this item can be exempted from inspection.
2. Provide credit investigation report
When the bank signs face-to-face, it will take the family as the unit to check the credit investigation of the husband and wife. Due to the different policies of each bank, the degree of relaxation of credit review will be different. If one of the husband and wife is overdue, it may affect the whole family's application for housing loan. At least, the loan interest rate will be increased or the down payment of the loan will be refused in serious cases.
Therefore, it is recommended that you check your credit investigation report in advance before face-to-face signing. When you usually use credit card or have other loans, you must pay attention to repayment on time to avoid overdue.
3. Provide revenue flow
Having a certain economic foundation and stable income flow proves that it is a standard for banks to judge the loan repayment ability of house buyers. Under normal circumstances, the bank will require more than six months of running water. The Xiaobian recommends using a bank card with more running water and having funds in the account at a fixed time every month, which can prove the continuity of income.
In order to ensure that the lender can repay on time, the bank's income requirement for the lender is that the monthly income is greater than or equal to twice the monthly mortgage payment. If the borrower is repaying other loans, the monthly income is required to be greater than or equal to twice the monthly mortgage payment of the existing loan.
4. Provide a stable job certificate
If the lender can provide a stable job certificate or labor contract, it can better prove the lender's ability and level, so the bank will have a greater chance of lending. In addition, entrepreneurs can also provide a company business license to prove your economic ability and level. Generally speaking, lenders with these conditions will also be the objects that banks are willing to lend.
5. Provide housing information and confirm the loan amount
After determining the repayment ability of the lender, the next thing the bank and the lender want to talk about is the loan amount and loan interest rate.
The loan interest rate is determined by the number of houses owned by the lender. Moreover, the interest rates of the first suite and the second suite are different. If it is the first suite, you can bring the purchase contract. If it is the second suite, you also need to bring the relevant certificates of the first suite.
As for the loan amount, it is determined by the lender's repayment ability and is also related to the loan period. The longer the loan term, the greater the amount.