First, prepare information:

Original and photocopy of ID card and household registration book of borrower and spouse (if single, single certificate is required)

Proof and copy of the borrower's marital status

Family property, car ownership certificate and photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate)

Statement of personal main bank account in the last 6 to 12 months (with bank seal)

Work unit income certificate

Family private lending articles and other supporting materials.

assessment report

Second, the housing mortgage application conditions:

The nature of the house; Residential, office buildings, villas, commercial housing, cost housing, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years.

Mortgagor (normal age 18-65 years old) is in good health.

The mortgagor shall not participate in the credit investigation for nearly 24 months.

Other assets that the mortgagor can prove the source of repayment (large time deposit certificate, second house property, stocks, funds, etc.). )

The actual use of funds is clear.

Third, the process of housing mortgage loan:

Submission of materials

Sign bank documents

Housing evaluation

The bank passed the audit.

bank loan

mortgage registration

Repay the loan on a monthly basis