Mortgage needs a household registration book. When a customer buys a house, the developer will ask the customer to provide the household registration book. When a customer applies for a mortgage, the bank or provident fund center will also check the customer's household registration book, mainly because the bank wants to check the customer's information.

When applying for a mortgage, customers need to prepare the following materials:

1, proof of your income.

2, 6 months of bank flow.

3. Your own identification.

4. Household registration book.

5. Credit report.

6. Original down payment invoice.

Under normal circumstances, the developer will tell the customer what materials need to be prepared, and just follow the developer's tips to avoid omissions or mistakes.

Of course. Before formally applying for a mortgage, customers can prepare their own information and consult the bank to see if they can apply for a loan and how many loans they can apply for. If you are not qualified to apply for a loan, then you should be cautious about buying a house with a loan and find out why it was rejected by the bank.

Matters needing attention in handling mortgage loan

1. Be sure to prepare all relevant information, such as ID card, household registration book, bank account number, salary slip, down payment receipt, etc., and the information provided must be accurate and consistent with the real situation, so as not to affect the mortgage review and approval because of incomplete or incorrect information.

2. Apply for an appropriate loan amount according to the total house price, actual economic situation and repayment ability. To apply for individual housing provident fund loans, you must also consider the balance of the housing provident fund account. Don't blindly apply for excess, lest you can't do it, or the repayment burden is too heavy after doing it.

3. If you apply for a personal housing provident fund loan, it is best not to use the housing provident fund at will before handling it.

If you have a lot of debts under your name now, you can pay off your debts before applying for a mortgage, or you can pay off part of them first, which can reduce your personal debt ratio.

5. Choose the appropriate repayment method. The average capital repayment method requires a higher level of economic income. After all, the pressure of prepayment is greater, which is suitable for customers with a certain economic foundation. If the economic conditions do not allow excessive investment in early repayment, you can choose the repayment method of equal principal and interest.

6. If your credit conditions are average, you can find a person with good credit to guarantee your mortgage and improve the chances of loan approval.