2, proof of marital status, unmarried need to provide proof of unmarried, divorce needs to issue a court civil mediation or divorce certificate (indicating that you have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate.

How long does it usually take to apply for a mortgage loan?

It usually takes about three weeks to go through the formalities of real estate mortgage. You can receive a reply from the bank within three days after submitting the mortgage application. It takes about ten working days for the bank to submit and handle the mortgage registration formalities. After the trading center issues other warrants, the bank will lend money within three working days. For details, please contact the handling outlet or loan account manager for confirmation.

Problems needing attention in housing mortgage loan

1. The property mortgage needs to be the property in the borrower's name. If it is owned by a third party, a statement that someone agrees to the mortgage loan must be issued at the time of mortgage.

2. In the marriage certificate provided, if there is a divorce, a divorce agreement or a court judgment is required; If you are single after divorce, you need to provide proof that you have not remarried after divorce.

It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, and consumers should pay attention to policy risks.

It is impossible to apply for a mortgage loan for a house that has not paid off the loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again.

5. Small property houses have no mortgage trading right. This is because small property houses have no property rights and may be eliminated under the policy of land use planning, so financial institutions will not mortgage such properties.