①? The payee's valid ID card and household registration book;

②? Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

③? If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

④? The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row);

⑤? Certificate of real estate ownership;

⑥? Guarantor (ID card, household registration book, marriage certificate, etc.). Is required)

Extended data:

Please pay attention to the following matters when handling mortgage:

First, choose the repayment method carefully

In general, the mortgage loan contract is a standard clause contract, and there are generally two repayment methods. One is the equal principal and interest repayment method, that is, the same amount of loans (including principal and interest) are repaid every month during the repayment period, so that the monthly repayment amount is fixed, so that the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income. The other is average capital's repayment method: repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so you will pay more interest at the beginning, so the repayment amount will be more at the beginning, and then it will be reduced every month in the following time. The advantage of this method is that because the initial repayment amount is large, the interest expense will be reduced, which is more suitable for families with strong repayment ability. When signing a loan contract, you can choose the repayment method according to your actual situation to avoid default.

Second, rational use of housing provident fund.

Housing accumulation fund is a long-term housing deposit paid by units and their employees, and it is the main form of monetization, socialization and legalization of housing distribution. The housing accumulation fund system is an important social security system for housing stipulated by national laws, which is mandatory, mutually supportive and guaranteed. Units and individual employees must fulfill their obligations to pay housing provident fund according to law. One advantage of housing provident fund is that it is lower than the loan interest of commercial banks. If your unit pays you the housing provident fund, you can use the housing provident fund loan to repay the mortgage, which can not only reduce your monthly repayment pressure, but also reduce the total expenditure of using the housing provident fund loan relative to the total repayment amount of commercial banks.

Third, reasonably determine the loan term.

Mortgage loan contracts generally have clauses on early repayment, and early repayment must be approved by the bank, because early repayment will have an impact on the long-term income of the bank. In real life, banks usually charge liquidated damages for prepayment. Of course, different banks will have different policies. Therefore, when signing a mortgage contract, buyers should choose a reasonable loan term according to their actual situation, so as to avoid unnecessary losses caused by early repayment.

Reference basis:

1. Provisions on the Administration of RMB Interest Rate (Yinfa 199977).

2. Notice of the People's Bank of China on issues related to the interest rate of RMB loans. 200325 1).

3. Notice of the People's Bank of China on Interest Calculation and Settlement of RMB Deposits and Loans (Yinfa [2004]10/No.. 2005 129).

Housing mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.

Baidu Encyclopedia: Housing Loan