Required information:
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
Repayment method:
1. principal repayment is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal. Therefore, due to the large amount of principal in the early stage, interest will be paid more, so the amount of repayment in the early stage will be more, and it will be reduced every month. The advantage of this method is that the early repayment amount is large and the interest expense will be reduced, which is more suitable for families with strong repayment ability.
2. Repayment of principal and interest During the repayment period, the same amount of loans (including principal and interest) will be repaid every month, so as the monthly repayment amount is fixed, the expenditure of family income can be controlled in a planned way, and it is also convenient for each family to determine the repayment amount according to their own income.