What does the bank face-to-face sign mean?

First, the so-called bank face-to-face signing refers to the process that the borrower (together with the repayment person or guarantor) needs to bring his original ID card, stamp and loan fee until the bank signs the receipt and contract, and then face-to-face signing and signing. The purpose of bank face-to-face signing is to verify the identity of the borrower and the authenticity of the loan purpose, reduce the risk of lending, and prevent the borrower from being unable to repay the loan and maliciously defrauding the loan.

It should be noted here that the interview must be completed by the borrower himself and cannot be replaced by others. In other words, no matter how busy you are, you can't ask your friends to sign for you. You have to do it yourself to count!

Second, the bank interview materials:

1, for property buyers

When paying the down payment, the developer will inform the buyers in advance of the materials that need to be prepared for the loan. According to the different marital status of buyers, the materials to be prepared are also different, as follows.

Necessary materials: ID card, household registration book, income certificate, copy of business license with official seal, bank account, degree certificate (institutions, state-owned enterprises and top 500 enterprises may not provide a copy of business license with official seal, but provide a work permit. And the proof of income is enough, and there is no need to provide running water. )

Customer is married: both husband and wife are required to be present at the same time, and the necessary materials and marriage certificate of both husband and wife are provided.

Single customer: only one person is needed to be present and provide the necessary information.

Client divorce: only one person is needed. And provide the necessary materials, divorce certificate and divorce agreement (divorce agreement should be transferred to the civil affairs bureau).

2, for the owner

If you are the owner and need to sell a house, just like the property buyers, the necessary materials to be prepared according to the different marital status are as follows.

Necessary materials: ID card, household registration book and real estate license.

The owner is married: No matter whose name is registered on the real estate license, both husband and wife need to be present at the same time and provide the necessary materials and marriage certificates for both parties.

Single owner: only one person is needed to provide the above necessary materials.

Owners divorce: only one person is needed. In addition to the above-mentioned necessary materials, it is also necessary to prepare a divorce certificate and a divorce agreement (the divorce agreement requires the civil affairs bureau to transfer files) to clearly prove the ownership of the house.

Widowed owner: one person is present. Necessary materials, death certificate, clear proof of property ownership.

Extended data

Face-to-face signing refers to the expenses required for the borrower (together with the repayment or guarantor) to carry the original legal and valid documents, sign them and borrow money; Go to the loan bank to pay the loan fee and go through the interview and signing procedures.

When you apply for a loan, the bank will ask you (sometimes your spouse or even the owner is present) to explain your rights and obligations in the loan in front of the bank lawyer or credit manager, and sign the bank loan agreement, commonly known as "face-to-face signing"

Baidu encyclopedia: the significance of face-to-face signing