2. Proof of the borrower's marital status: the married person provides a marriage certificate, the unmarried person provides a single certificate, and the divorced person provides a divorce certificate;

3. If you are married, you need to provide your spouse's valid ID card and household registration book;

4. Proof of the borrower's income, such as proof of salary income for half a year in a row;

5. Collateral certification materials, such as real estate license.

6. Other materials required by the lending institution.

The implementation of mortgage loan system is compatible with the reform of economic system. In the planned economy period, it conforms to the traditional economic system. Loans issued by enterprises are all credit loans. This is an important form of "supply system" of credit funds, which has the disadvantages of too much capital occupation, slow turnover and low efficiency. In the new era of building a socialist market economy, after the reform of the economic and financial system, mortgage loans have been launched in an all-round way, and supporting laws, regulations and rules have been established and improved. From a practical point of view, the security and profitability of mortgage loans are obviously superior to other credit assets.

China began to try out personal housing mortgage loan business in the late 1980s. By the end of June, 2003, the personal housing mortgage loan had reached 21300 million yuan, and the loan amount reached 167 billion yuan, which promoted the process of housing commercialization and greatly improved the housing conditions of urban residents, and the role of mortgage loan became more and more obvious.

Benefits:

First, it enhances the reputation of customers and improves the economic benefits of banks and enterprises. After handling the mortgage loan, customers are also under pressure to repay in full when they get the loan application. Therefore, it is conducive to invigorating finance, invigorating economy and invigorating the efficiency of the use of credit funds. According to the statistics of China Construction Bank, the mortgage loans overdue rate of individual inpatient housing is all below 3%, and the paid-in interest rate is above 90%. At the same time, mortgage loans can convert commodities, bills and securities into monetary funds in advance. It plays a certain role in accelerating the turnover of monetary funds and stimulating enterprises to expand production and circulation.

Second, mortgage loans are much more binding on loan customers than credit loans. Once the enterprise goes bankrupt, the credit loan is just an ordinary creditor's right, and the bank can only participate in the property distribution of the bankrupt enterprise as an ordinary creditor, and has no right to demand priority compensation. Carrying out and popularizing mortgage loan is the new requirement of adapting to the socialist market economy, the inevitable requirement and development trend of reforming the credit fund supply system and establishing the credit fund lending system.