If I need to apply for mortgage to buy a house, I need to have a good personal credit record, a good debt record and a good income certificate. The local bank has been running continuously for more than half a year, and I need to provide my valid identity certificate, address certificate, work certificate and income certificate. If I don't have a work certificate, I can find a third party to cooperate, but I need to provide the corresponding handling fee.

general run of things

Borrower's requirements

1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year.

The seller shall provide materials.

1. Identity cards, household registration books and marriage certificates of both husband and wife;

2. Real estate license.

Freelancers can prove their repayment ability in the following ways:

1. Submit relevant materials to prove your earning capacity. For example, taxi drivers can use driving licenses, road maintenance bills, etc. ; The legal representatives of individual industrial and commercial households and private enterprises with business licenses may submit tax payment vouchers and income accounts; Small vendors and hawkers can issue income certificates by the competent market department. Through these materials, the lending bank indirectly examines the borrower's repayment ability, and then issues loans to qualified freelancers.

2. Use real estate mortgage loan. Such as real estate and other attachments on the ground that the mortgagor has the right to control independently; The mortgagor has obtained the right to use state-owned land according to law; Other assets recognized by the bank can be used by the bank to confirm the strength of personal assets and correctly evaluate the repayment ability.

3. Find a guarantor who has a formal job as a guarantor. At present, China has promulgated the Guarantee Law of People's Republic of China (PRC), and the guarantor only needs to provide legal and valid identity documents (such as resident ID card, household registration book and other valid residence documents) to prove that the borrower has a stable economic income in the last two years or a tax receipt for paying personal income tax in the last two years. ?

Mortgage to buy a house's suggestion.

Apply for a loan amount according to your own ability.

Choose a good loan bank for mortgage.

Choose the repayment method that suits you best.

There are basically two repayment methods for individual housing loans: equal repayment method and equal principal repayment method.

The information provided to the bank should be true.

Provide my address accurately and timely.

Repay on time every month to avoid penalty interest.

Mortgage loan-Baidu encyclopedia