1. The required materials include: ID card, household registration book, marriage certificate, income certificate with official seal, commercial housing sales contract and down payment receipt. If you are single, you don't need to provide a marriage certificate, you need to provide an unmarried certificate. Other materials are as above.

2. The required expenses are: 100 yuan notary fee, 20 yuan stamp duty and 80 yuan mortgage registration fee. Handling a commercial mortgage requires a 200 yuan handling fee, but nothing else.