The mortgage loan needs running water because the borrower needs to have a certain repayment ability, and the bank running water is the necessary proof for the lending institution to examine whether the borrower has repayment ability. Lending institutions can make a comprehensive judgment according to the monthly income and total income in the running water to determine whether the applicant has the ability to repay the loan on time.

Information to be provided when applying for mortgage:

1, husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificates include academic qualifications, other real estate, bank running water, large deposit certificates, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

legal ground

Measures for the administration of individual housing loans

Article 6 The borrower shall provide the lender with the following information:

(1) Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);

(2) Proof of stable economic income of the borrower's family;

(3) Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements;

(four) the list of collateral or pledge, the certificate of ownership and the certificate that the authorized person agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

(five) to apply for housing provident fund loans, it is necessary to hold a certificate issued by the housing provident fund management department;

(6) Other documents or materials required by the lender. Article 7 A borrower shall apply for a loan directly from the lender. The lender shall give a formal reply to the borrower within three weeks from the date of receiving the loan application and the materials that meet the requirements. After examination and approval, the lender shall issue housing loans to the borrower in accordance with the relevant provisions of the General Rules for Loans.