2. Preparation of application materials: When conducting face-to-face signing, carefully prepare the salary card running bill, my ID card, bank deposit certificate, employment certificate, income certificate and other materials.
3. Answer questions carefully: The staff will generally ask questions about the application materials. The applicant must answer all the questions carefully and don't make them up.
Content of mortgage interview
When the mortgage is signed face to face, the bank mainly reviews the following points:
1. Prerequisite for judging repayment ability: marital status.
(1) If married, both husband and wife shall be present, and the original marriage certificate and household registration book shall be provided;
(2) If you are divorced, you need to provide a divorce certificate.
Because the bank judges the borrower's family repayment ability and housing situation by family as a unit when lending money, and determines the loan amount and loan interest rate by this, the marital status of the borrower is an item that the bank must check.
2. Proof of repayment ability: proof of income and bank running water.
When the mortgage is signed face-to-face, the borrower's income certificate and bank running water are also key audit items, because these two items reflect the borrower's repayment ability. Generally speaking, the monthly income is greater than or equal to the monthly mortgage payment X2. If the borrower is repaying other loans, the monthly income is required to be greater than or equal to (existing loan+monthly mortgage payment) X2.
3. Stable work: a copy of the company's business license.
A copy of the company's business license, which shows that the lender has a stable job, must be stamped with the company's official seal. However, if the borrower works in a state-owned enterprise or institution, he can only provide a work permit or employment certificate.
4. Determine the loan amount and interest rate: the existing housing situation.
If you apply for a loan to buy a second suite, you need to provide the real estate license and loan contract for the first purchase. If the first suite has repaid the loan, it is necessary to provide a loan settlement certificate.
Because housing ownership directly affects the number of housing units, loan amount and loan interest rate of borrowers applying for second homes.
5. Personal credit label: credit report
When the bank signs face-to-face, it will check the credit information of both husband and wife on a family basis. Some banks will check the borrower's family's loan records within five years and credit card records within two years, and some banks will check the time range more widely. Due to different banking policies, the difficulty of reviewing credit information will be different.