Mortgage loans are generally divided into housing mortgage loans and land public mortgage loans. (Pledged loans are handled in their respective banks) If customers choose the above two mortgage loan methods, they need to know the following information: 1, loan purpose 2, real estate conditions: at least the real estate area should be more than 30㎡, and the age of the house should be after 88 years. 3. Counterparty loan amount: 80% of the total value of the loanable house with the highest mortgage rate. 4. Counterparty loan term: generally 1-30 years. 5. The loan interest rate acceptable to the other party: the payment method and payment standard of the bank's interest rate for the same period are different. 6. The latest lending time expected by the other party. 7. Types of collateral of the other party. Can be residential, public buildings, villas, shops, factories and so on. 8. The actual mortgagor and borrower must be 18-65 years old, and they can make third-party loans. Loan materials: original and photocopy of ID card, household registration book, marriage certificate, house certificate and land use certificate of the borrower and spouse. If you are single, you need to provide a single certificate. In case of divorce, divorce certificate and divorce agreement are required. Proof of income of the borrower and spouse. Copy of savings passbook or savings card (running for half a year). Proof of loan use. Commercial loans need to be provided separately: personal category: 1, business license, tax registration certificate and organization code certificate. 2, individual industrial and commercial households in the past six months of tax bills, bank statements and legal person in the past six months of bank flow. 3 other financial certificates (such as real estate, vehicles, certificates of deposit, etc.). ) can be provided at the same time. Company category: 1. Fixed business premises, providing business licenses. 2. Organization code certificate. 3. Tax registration certificate. 4, nearly six months of tax payment certificate, tax bill. 5. Articles of Association. 6. Capital verification report. 7. Financial statements at the end of last year and the latest period. 8. Shareholder's capital contribution certificate. 9. Upstream and downstream contracts.