1. Information needed for mortgage loan.
1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. Original purchase agreement
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number 1 copy.
Second, the loan method
1, equal principal and interest
The monthly interest repayment amount remains unchanged.
2. Average capital
Pay the principal first, then the interest.
Extended data:
First, the factors affecting mortgage loans
1, working nature
The nature of your job often reflects your income level and income stability.
There is less running water in the bank.
If the bank has less running water or less effective running water, the bank will think that you lack repayment ability.
3. Check the credit report frequently.
Do not frequently inquire about credit information, especially entrust relevant financial institutions, such as banks and loan companies. As long as it is inquired, it will be recorded in the credit report.
4, debt is too high
The credit report will show your debts, such as credit card installment, car loan and some small loans. Too much debt will make the bank demand that your income also increase.
5. Buy a house.
The house purchased is also an important basis for banks to consider lending. Banks are more cautious about smaller and older houses.
Second, the loan purchase conditions
1,1natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
Baidu encyclopedia-mortgage
Baidu encyclopedia-loan to buy a house