Mortgage requires household registration certificate, and mortgage loan requires my ID card, household registration book or household registration certificate, marital status certificate and income certificate. The registration form of permanent residents shall be kept by the household registration authority (permanently). The residence booklet is kept by the individual citizen (it can be cancelled). The role of permanent population registration form and household registration book The permanent population registration form is the basic legal document to prove citizenship and family members' relationship, and it is also the basic information for public security organs to manage household registration. The matters registered in the Registration Form of Permanent Population shall be truthfully declared by the applicant, examined and registered by the household registration authority, signed by the undertaker and stamped with the special seal for household registration, which has the legal effect of proving citizenship and family members' relationship.

Permanent population registration form and residence booklet are the basis for the registration and management of permanent residence. The registration and management right of the permanent population registration form and household registration book belongs to the household registration authority, and no other unit or individual may record or change it.

Certificate of permanent population:

Permanent residence is a name determined according to the household registration system in China. In principle, people should live where they are registered. If they leave, they should move their registered permanent residence. Its purpose is to facilitate population statistics and management, and it is also the basis of legal litigation jurisdiction. With the increase of population mobility, the phenomenon of separation between people and households is more common. If you have lived in a foreign country for more than one year, your place of residence shall be your place of residence. If it is a permanent residence, it is more formal to go to the police station to open a household registration certificate than a street certificate.

Household registration certificate: it mainly proves a person's marital status, household registration location, migration certificate, etc. And showed his household registration.

Registration Form of Permanent Population: In a certain place, a person's household registration may not be local, but he/she has lived, worked and studied in the local area for a long time, so he/she must go through the formalities of permanent residence in the local area and fill in the registration form of permanent population.

With regard to the certificate of permanent residents, those with local hukou or local residence permit belong to local residents; Or working in the local area for many years, the whole family has been living in the local area, or even permanent residents. Living for more than 5 years can be recognized as a permanent population.

Summary: Housing loans can be replaced by permanent population registration forms, and both household registration forms and permanent population registration forms have legal effect.