1. Materials to be submitted by the lender:

1. Identity card and household registration book; Personal income certificate (stamped with the official seal of the unit);

2. A copy of the business license of the employer (with official seal);

3. Marriage certificate; Identity card and household register of the borrower's spouse;

4. The original and photocopy of the house ownership certificate and the original house purchase agreement;

5. notarial certificate of the house owner and the * * * owner agreeing to mortgage and the certificate of loan use.

2. Handling procedures:

1. Go to the bank to learn about the relevant situation and bring all the above information;

2. Handle the loan contract, and the bank will handle the insurance, and handle the property mortgage registration and notarization;

3. The borrower and the lender must be present together and sign the mortgage loan contract together; Please read every clause in the contract carefully before signing, and don't miss any detail;

4. Accept the bank's review of you and determine the loan amount;

5. When the bank issues loans, the borrower repays them every month and cancels the registration after paying off the principal and interest.