1, identification: my valid ID card, passport, officer's card, soldier's card, etc.
2. Marriage certificate: married people provide marriage certificates; Unmarried people provide single proof; In addition to the divorce agreement and judgment, the divorced person also needs to provide a single certificate;
3. Work certificate: work certificate/labor contract issued by the unit/social security card stamped with the official seal of the unit, etc. ;
4. Income certificate: the income certificate issued by the unit and the bank salary in the last six months;
5. Financial proof: vehicle driving license, time deposit certificate, stock details, etc.
6. Household registration book, real estate license and state-owned land certificate;
7. Personal credit report;
8. Proof of loan purpose: If the borrower is a self-employed or business owner, it is also required to provide business proof, including business license, tax registration certificate, organization code certificate, articles of association, etc. In addition, if the property you provide is in a lease state, you need to provide a copy of the lease contract.
What does it cost to apply for a personal mortgage loan?
1, housing appraisal fee:
The mortgage loan of real estate needs real estate assessment's step, and usually it can only be evaluated by an evaluation agency recognized or designated by the bank, so there will be an evaluation fee in the middle. However, there is no uniform standard for the evaluation fee of real estate mortgage loan, which is generally related to the amount of evaluation, or calculated directly according to the bill (ranging from 200-500 yuan for an evaluation);
2. Notary fees:
Some banks will require borrowers to notarize loan mortgage contracts. After the contract is notarized, if the borrower has the risk of default in the later period, the bank can bypass the complicated procedures of court auction by virtue of the notarial certificate and forcibly dispose of the mortgaged property to ensure its interests. In terms of expenses, the notary office collects 3‰ of the loan amount and entrusts a notary fee of about 2,000 yuan;
3. Mortgage registration fee:
Real estate mortgage registration is generally mortgaged by other warrants. In this link, the borrower needs to pay the mortgage registration fee for other rights. The charging standards in different regions will be different. Usually living in 80 yuan, business needs 500-600 yuan;
4. Intermediary service fee:
Some people want to get loans faster and more conveniently, and will entrust an intermediary to handle real estate mortgage loans. There is no such thing as a free lunch, and the intermediary also charges a service fee. There is no charging standard for intermediary services, but it is generally 2%- 10% of the total loan. But it can be noted that the more informal the intermediary company is, the higher the service fee is.
In addition, the intermediary service fee has a certain bargaining space to a certain extent, depending on how you grasp it. And the words of old customers are usually easier to talk about.
The above is what Bian Xiao shared with you about the procedures required for mortgage loan. More information can focus on the construction industry and share more dry goods.