Pre-approval of mortgage is a service provided by banks or other financial institutions to customers before they buy a house. Through the preliminary verification and evaluation of customer information, institutions can initially determine the customer's credit status, mortgage loan scope, repayment methods and other related information. Pre-approval does not mean the final approval of the loan, and the result may be different from the actual wholesale result, but it has important guiding significance for customers to choose their own real estate and loan scheme, and can also reduce the uncertainty and risk in the process of buying a house.

Pre-approval of mortgage requires customers to provide corresponding basic information, such as occupation, income, ID card, real estate license, etc. At the same time, customers are also required to provide some auxiliary materials, such as credit report, personal assets certificate, family income and expenditure certificate and so on. The quantity and requirements of information preparation vary with different institutions and loan schemes. Customers need to know and verify before consulting or handling, so as to reduce unnecessary troubles and delays.

What matters should be paid attention to in pre-approval of mortgage?

Pre-approval of mortgage is a commercial service of banks or other financial institutions, and customers need to pay attention to the authenticity, accuracy and integrity of information when providing it to ensure the objective and accurate results of pre-approval. At the same time, customers also need to make full comparison and selection when considering loan schemes, and try to choose a loan scheme with appropriate interest rate and repayment method, simple procedures and low risk. Don't be greedy for petty gains, choose a loan scheme that is too radical or falsely advertised, otherwise it may bring endless risks and adverse consequences.