The folk term "a little interest" refers to "monthly interest" As a percentage, 1 interest means monthly interest 1%, and 2 interest means monthly interest of 2%. The so-called interest of 2 cents is based on 1 yuan, that is, 2 cents is paid every month for every 1 yuan, which translates into an annual interest rate of 2% * 12 = 24%.

What proof do you need for a house loan?

(1) identification: the original and photocopy of the ID card are required (the spouse is required for married people). Temporary id card can also be used if the ID card is lost or the original cannot be used for other reasons.

(2) Hukou book: Hukou book needs a home page and a corresponding page, and Hukou book needs to be stamped with a fresh stamp (issued by the police station or unit where the household registration is located) and is within the validity period.

(3) Marriage certificate: one of marriage certificate, divorce certificate or divorce mediation document and single certificate (notarized by notary office) is required. The reason why a marriage certificate is needed is because both husband and wife sign the loan (with the same repayment responsibility); If the borrower is divorced, in order to avoid disputes over property disposal, it is required to provide relevant judgments after divorce (such as who will be awarded the house and car).

(4) proof of residence: generally, you need to apply for a residence permit (in some places, temporary residence permits), or provide proof of payment of utilities, gas, communication and property management fees for nearly 3-6 months, or provide the bank credit card billing address for nearly 3 months.

(5) Work certificate: Without a stable job, it is generally difficult to get a loan (except collateral). Lenders will provide proof of work materials, borrowers only need to fill in relevant information, and then let the unit affix a fresh seal. If the unit or company has a work permit, it can also be prepared. In addition, business owners or self-employed individuals are required to provide the original and photocopy of their business licenses. Of course, some freelancers are unable to prepare this material.