1, borrower's ID card, household registration book, marriage certificate and borrower's spouse's ID card and household registration book;

2. Personal income certificate of the borrower (official seal);

3. The original and photocopy of the house ownership certificate and the original purchase agreement;

4. The notarial certificate of the house owner and co-owner agreeing to mortgage and the certificate of loan use.

(2) Loan financing, term and interest rate:

The starting point of real estate mortgage consumer loan is 5,000 yuan, and the maximum value does not exceed 70% of the mortgage real estate assessment value. Generally, the loan term does not exceed 5 years, and the longest loan term can reach 10 year. The loan interest rate shall be implemented according to the commercial loan interest rate stipulated by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis.

(three) the process of handling loans:

1. Handling existing home mortgage loan: First, the borrower needs to find an appraisal agency to evaluate the value of the property and obtain the real estate appraisal report issued by the appraisal agency. Secondly, both husband and wife were present to submit the above information and sign a real estate mortgage contract. Third, the borrower signs a loan contract with the bank. Fourth, the bank issues loans after approval. Finally, the borrower repays in installments or in one lump sum, cancels the mortgage of the house property and gets back the real estate license.

2. Mortgage for faster housing: The borrower signs a house purchase loan contract in the bank with the pre-sale contract, the original and photocopy of the house advance payment receipt, and the original and photocopy of the husband and wife marriage certificate. After the bank approves the loan, the real estate license is handed over to the bank. After the repayment, the borrower went to the bank to cancel the loan and get back the real estate license.

Article 394 of the Civil Code of People's Republic of China (PRC) provides a guarantee for debt performance. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Article 395 The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.

Article 400 To establish a mortgage, the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.

Article 419 During the limitation of action for principal creditor's rights, the mortgagee shall exercise the right of mortgage. If it does not exercise, the people's court will not protect it.