First, the household registration book (both husband and wife)

Second, the identity card (both husband and wife)

Third, the marriage certificate

Four, personal assets or financial proof, such as bank passbook, car driving license and other copies.

V. Loan application (loan purpose/amount/year/repayment source)

Intransitive verb real estate license

_ seven. Proof of work and income (both husband and wife)

Methods/steps

Step 1: Submit the required documents.

1, real estate license or house ownership certificate, land use right certificate;

2. ID cards, household registration books and marriage certificates of both husband and wife of the borrower (singles need to be issued by the local civil affairs bureau);

3. Proof of income (official seal required).

The second step is to evaluate the house. Evaluate according to the location, floor, area and orientation of the collateral. Houses can generally be loaned to 50-90% of the assessed price.

Step 3: Sign the contract in person at the bank. After housing evaluation, it is necessary to go through the formalities of examination and approval of real estate insurance and corresponding loans, and issue loan contracts and mortgage contracts for those who agree to the examination and approval.

The fourth step is mortgage registration. The borrower holds the real estate license and loan contract to the district and county real estate bureau where the real estate is located for mortgage registration, and the agency expenses shall be borne by the borrower.

_ Step 5: Lend money. After the mortgage registration, the bank can issue loans to the borrower's personal savings account.

Matters needing attention

Housing mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.

General real estate mortgage loans need to be handled by professional real estate guarantee companies. Real estate mortgage loan has become an important means of real estate financing for individual residents. Loans are issued through mortgage loans to meet temporary consumption needs and even business needs, with a view to revitalizing the real estate held by residents. Moreover, among various financing channels, real estate differential mortgage loan is still one of the lowest cost ways.

The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. The mortgage interest rate of each bank is different, and the loan interest rate in different regions may be different. The specific interest rate needs to be consulted with the local bank.

Choice of interest rate: provident fund loan is the first choice for commercial housing or affordable housing loans, and the loan interest rate is the lowest. But when buying a house, you should ask whether the developer has signed a contract with the fund management center, otherwise you can only apply for a commercial loan.

_ Signing a house purchase contract: When signing a house purchase contract, it depends on whether the signed contract is a commercial house purchase contract or an affordable housing contract jointly supervised by the Real Estate and Housing Bureau and the Industrial and Commercial Bureau, otherwise, you cannot apply for a house ownership certificate or apply for a loan.