No, I need a copy of the mortgage book.

Prepare information:

1, original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required).

2. Proof and copy of the borrower's marital status

3. Proof and photocopy of family property and car ownership, and other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate).

4. Statement of personal main bank account from June to1February (with official bank seal)

5, work unit income certificate

6. Proof materials such as family private lending articles.

7. Evaluation report.

Second, what are the hazards of hukou mortgage loan?

With the rapid increase of loan demand, many loan platforms have lowered the loan threshold, and only need ID cards or household registration books to make loans. Need to remind everyone that account mortgage is very harmful, and it is best not to apply:

1, account mortgage loan is generally not a formal platform, and it is easy to fall into and make routine loans;

2. If the loan is not repaid, it will bring trouble to the family, and the family information will be leaked, causing serious troubles;

3. loans overdue is subjected to violent collection, and the other party may go to the door directly for collection.

In addition, don't give your household registration book to others to apply for a loan, and you will eventually suffer.

Third, can the account be mortgaged?

You can't apply for a mortgage in the bank. The registered permanent residence is only one of the identification documents, and it does not have the conditions for mortgage. Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. Whoever borrows a large amount from a bank or other financial institution for the purpose of illegal possession shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false proof of property rights as a guarantee or repeated guarantee beyond the value of collateral; (5) Loans in other ways.

4. What if rural commercial banks don't have household registration books?

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Bring your ID card, household registration book, income certificate, real estate license and so on to get a credit first.