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Does the copy of the loan approval form need to be stamped with the seal of the risk control department?

What information do I need to submit to apply for personal time deposit in China Bank?

China Bank Personal Time Deposit Submission Information:

When applying for personal time deposit through China Bank, the borrower shall provide the following information:

1, personal time deposit application approval form;

2. The original valid identity documents of the borrower and the pledger (referring to the resident identity card, household registration book or other valid residence identity documents), and provide their copies;

3. Original certificate of rights for unexpired time deposits issued by China Bank (individual certificates of deposit have no certificate of rights in kind and need not be provided);

4, the pledgor agreed to pledge written documents;

5. Proof of loan use;

6. Other supporting documents or materials required by the lender.

For the business handled through personal online banking, the borrower does not need to provide the above information, and the system will automatically check the borrower's qualification. Borrowers must use personal online banking user name, password, identity authentication tools and other factors to complete related financial transactions.

The above contents are for your reference. Please refer to the actual business regulations.

What materials do China Bank need to prepare for the convenience loan of personal financial products financing?

When applying for a convenient loan for personal financial products of China Bank, the borrower shall provide the following information to the lender:

1, personal loan application approval form.

2. The original valid identity certificate of the borrower (including resident identity card, household registration book or other valid residence identity documents), and provide a copy.

3. The right certificate (current all-in-one card, debit card) of the wealth management transaction account to which the wealth management products pledged by this loan belong.

4. Proof of loan use.

5. Laws, regulations, regulatory provisions and other supporting documents or materials required by the lender.

For the business handled through electronic channels of BOC, the borrower does not need to provide the above information, and the system will automatically review the borrower's qualification. The borrower must use the user name, password, identity authentication tools and other elements of the electronic channel of China Bank to complete the relevant financial transactions, and the system will automatically check the authenticity and accuracy of the above elements.

As there are differences among provinces, please consult our handling outlets or call our customer service hotline 95566 (overseas, Hong Kong, Macao and Taiwan please call 86 10-95566) for details.

The above contents are for your reference. Please refer to the actual business regulations.

What are the contents of China Industrial and Commercial Bank's personal housing loan application approval form?

Just fill in the required items to ensure that the most basic ID number, mobile phone number, address, income and other items are filled in correctly. Personal housing mortgage loan refers to: (1) transfer mortgage, that is, borrowers (including first-hand buildings and second-hand buildings) who have applied for personal housing loans in ICBC or other banks need to transfer their property rights and mortgage loans to the transferee at the same time during the repayment period because of the sale of their purchased commercial houses (existing houses, for which the real estate license has been applied), and ICBC continues to apply for mortgage loans for the transferee; (2) Mortgaging, that is, the borrower transfers the personal housing mortgage loan handled in other banks to ICBC for handling; (3) Other types of mortgages, that is, applications for changing the borrower's business due to gifts, inheritance, divorce and other reasons. Personal housing plus mortgage loan refers to the loan for house purchase and family consumption granted to ICBC's existing personal housing loan customers (including first-hand and second-hand buildings) with the original loan collateral as the guarantee. Plus according to the general should be handled by the original loan handling bank. Mortgage loan of existing home for individual housing refers to the business that the borrower applies for a loan from the bank with the commercial house (existing home, for which the real estate license has been issued) as collateral for the purchase of housing and family consumption. ICBC Personal Housing Loan Application Procedure: 1. Loan application procedures: 1. After receiving your loan application and required documents, ICBC staff will conduct investigation and verification according to the working procedures stipulated by the bank. 2. If you agree to your loan application, the staff of ICBC will inform you to go through insurance, notarization and other procedures at the designated time and place, and sign the Individual Housing Loan Contract or the Individual Housing Guarantee Loan Contract. After going through the mortgage registration formalities, fill in the iou and issue the loan. Insurance procedures can be handled by banks. 2. The information that the borrower should provide when handling the personal housing loan of China Industrial and Commercial Bank: (1) The information that the borrower should provide 1, and the application form for personal housing loan of China Industrial and Commercial Bank 2. Identity documents (including resident identity cards, household registration books, passports, military identity cards, Hong Kong and Macao identity cards, etc.). ) 3. Income certificate issued by the borrower's work unit or other proof of the ability to repay the loan principal and interest on schedule (including personal passbook, tax payment certificate and stock) 5. Invoice and down payment voucher for down payment. 6. Collateral and pledge * * * A notarized document issued by someone agreeing to mortgage and pledge. 7. Entrusted deduction agreement. 8. The original housing insurance policy with the bank as the first beneficiary. (2) The information of the seller (including the owner of the house) 1, ID card, household registration book and spouse ID card that should be provided by the seller of the second-hand building mortgage; 2. Property right certificate of the commercial house sold; 3. Property appraisal report issued by appraisal company; 4. If the house has been rented, the proof materials of renting consent to move in shall be provided; 5. If the seller is an enterprise legal person, it must provide valid business license of enterprise legal person, certificate of legal representative, resolutions of the board of directors and other relevant documents. (3) The seller of the sub-mortgage business shall provide the following information: 1, real estate license; (Copy, ICBC's personal housing loan business is not required); 2. ID card and household registration book of the seller (if * * moves in, it is required to provide * * ID card, household registration book and a written statement agreeing to * * *' s sale); 3. The leased house must provide a lease and a written agreement reached between the lessee and the buyer and seller through consultation; 4. Original house purchase loan contract; 5. List of principal and interest owed on the day when the original house purchase loan application is transferred; 6, nearly three months personal housing loan repayment bank statement; 7. If the seller is an enterprise legal person, it shall provide valid business license of enterprise legal person, certificate of legal representative (if there is a client, the client shall issue a power of attorney and an ID card), articles of association, resolutions of the board of directors and other relevant documents; The seller who handles the foreclosure loan also needs to provide: (the legal person will not accept the foreclosure loan temporarily); 8, "China Industrial and Commercial Bank of individual housing (foreclosure) loan application form"; 9. Real estate sales contracts or agreements; 10. Mortgage guarantee contract (foreclosure) signed with Shenzhen Real Estate Guarantee Co., Ltd. (hereinafter referred to as the guarantee company); 1 1. Personal housing loan guarantee application form (form provided by the guarantee company); 12. Authorization for mortgage loan transfer; (4) The borrower of individual mortgage loan shall submit the following materials: 1, and the application form for individual housing loan of China Industrial and Commercial Bank; 2. Legal and valid ID card; 3. Original individual housing loan contract; 4. The documents certifying the appraisal of the house by the real estate appraisal agency recognized by the lender; 5. Income certificates or related documents that can prove the borrower's repayment ability, such as tax payment certificates, leases, stocks, bonds and certificates of deposit. ; (5) The borrower of existing home mortgage loan for individual housing needs to submit the following materials: 1, real estate license; 2. ID card and household registration book (if there are * * * people, the ID card and household registration book of * * * people and the consent of * * * people to mortgage shall be provided); 3. If the mortgaged house has been rented, a lease agreement and a written agreement reached between the lessee and the borrower shall be provided; 4. China Industrial and Commercial Bank's application form for mortgage of existing homes for individual housing (attachment 1) 5. Income certificates or related documents that can prove the borrower's repayment ability, such as tax payment certificates, leases, stocks, bonds, certificates of deposit, etc. 6. Appraisal report of the house by the real estate appraisal agency recognized by the lender; 7. The loan interest is charged according to the relevant provisions of the interest rate policy of the People's Bank of China. In case of national interest rate adjustment during the loan period, it shall be implemented in accordance with state regulations. Warm reminder 1. Borrowers in Hong Kong and Macao should provide a letter of proof on the borrower's identity, occupation, income and address issued by a local law firm qualified to handle notarization business in Chinese mainland. 2. The maximum loan ratio of the first-hand building personal housing mortgage loan is 80%, and the longest mortgage period is 30 years; The maximum mortgage ratio of first-hand commercial housing is 60%, the longest mortgage period is 10 year, and it must be an existing house; The maximum mortgage ratio of the second-hand building is 60%, and the longest mortgage period is 10 year. 3. Entrusting others to handle mortgage business requires a notarial certificate issued by the notary office. 4. The borrower's age and loan term shall not exceed 60 years old. 5. In the process of applying for mortgage loan, you need to pay insurance premium, notary fee, mortgage registration fee, stamp duty, lawyer's fee and other related expenses according to regulations. .