1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

The processes and procedures of online loans of several banks are like this.

First, go to the digital banking website to learn about loan products. Fill in the application form and submit it. After 5 minutes, the customer service will help you answer your questions. If you can apply for a personal housing loan, all the above information is available.

Then accept the bank's review of you and determine the loan amount.

Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.

The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.

After the above procedures and formalities, you can get a new house through mortgage. Through what the reporter said above, you should have a deeper understanding of mortgage and understand the related matters of handling loans. I hope that the key of mortgage can open more doors to new houses that belong to you, me and him.