When a bank has a credit loan, personal credit records and the bank's loan system will be displayed. At this time, if you want to borrow money to buy a house and apply for a mortgage, the lending institution will examine your personal repayment ability. If your repayment ability is good and your debt situation is good at this time, the loan will have little impact. And poor repayment ability will have an impact.

Mortgage, also known as house mortgage. Mortgage refers to the documents that the buyer must submit according to legal documents, such as filling out the mortgage loan application form to the bank and providing ID card, income certificate, house sales contract and guarantee. After passing the examination, the bank promises to issue loans to the buyer and handle the notarization of real estate mortgage registration.

Extended data:

Mortgage application materials

1. The borrower's valid ID card and household registration book;

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;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Are required);

Baidu encyclopedia-mortgage