Your husband can't use these materials for a loan. Because applying for a loan needs to prepare other materials, such as: the identity cards of both husband and wife; Husband and wife's household registration book or foreigner's temporary residence permit and household registration book; Marriage certificate or divorce certificate or court judgment or single certificate; Proof of income; Academic certificate; The flowing water on the river bank; Real estate information; A copy of the employer's business license; Large deposit certificate; Other assets; If the borrower is an enterprise legal person, it must also provide the annual business license, organization code certificate, tax registration certificate, articles of association and financial statements; Other information stipulated by the bank.

The specific process of mortgage loan for mortgage house

First, with the consent of the bank, buyers and sellers conduct real estate transactions and sign purchase contracts or letters of intent; Apply for a loan from a bank and submit relevant materials; Then the bank will investigate and audit the borrower's credit and inform the borrower of the audit results. If the bank agrees to the loan, it will sign a contract with the borrower and guarantor, and sign a supplementary contract for housing mortgage loan with the seller, and then the seller will pay off the difference between the loan amount and the loan principal and interest owed by the seller.

2. The borrower entrusts the bank to handle the formalities of real estate transaction transfer, mortgage registration and real estate insurance with the seller; After obtaining the land and house ownership certificate, the bank will transfer the loan funds to the mortgage account of the seller at the original loan outlets and related accounts to repay the principal and interest of the mortgage loan owed by the seller, and then transfer the remaining funds to the account opened by the seller in the bank. The borrower will repay the loan on time.

What should I pay attention to when handling mortgage loans for mortgage houses?

First, we should carefully examine the qualifications and reputation of borrowers, and try to choose intermediary companies with legal registration, standardized operation and good reputation.

2. Resolutely refuse to sign documents with blank or incomplete contents. When signing loan contracts and receipts, carefully examine the terms and don't sign them hastily. After obtaining a loan, you must issue an iou and receipt according to the actual amount.

3. The sum of agreed loan interest, overdue repayment interest, liquidated damages and fines shall not be higher than four times the interest rate of similar loans of banks.

Four, the same loan can not be signed more than one "loan contract" and "receipt".