In today's society, mortgage has become an important way for many people to obtain funds. However, in the process of mortgage purchase, what materials to prepare often confuse many people. Today, we will introduce in detail the materials that need to be prepared for real estate mortgage, and partners in need can take a look!
1. Proof of identity.
First, you'll need to provide valid proof of identity. This usually includes ID cards, household registers, and other documents that can prove your identity. These documents need to be original and need to be within the validity period.
2. Proof of income.
In order to prove your ability to repay, you will need to provide proof of income. This can be a pay stub, bank statement, tax bill, etc. to prove your income. These documents need to be clear, complete, and accurately reflect your income status.
3. Proof of house ownership.
When mortgaging, you will need to provide proof of ownership of the home. This can be a document that proves your ownership of the home, such as a title deed, a purchase contract, etc. These supporting documents need to be originals and need to be within the validity period.
Fourth, the use of the certificate.
To ensure that you are borrowing for a legitimate purpose, you will need to provide proof of purpose. This can be a purchase contract, renovation contract, or other relevant supporting documents that can prove the purpose of your borrowing.
5. Credit report.
It is important to provide a personal credit report. The credit report is an important basis for assessing your credit status, and the bank or institution will decide whether to pay you based on the information in the credit report.
The above are some of the main materials that need to be prepared when entering the mortgage. It should be noted that different banks or institutions may have slightly different requirements for materials, which are subject to their respective requirements. At the same time, it is very important to ensure the authenticity, completeness and accuracy of all materials in the process of providing materials. If you have any questions or need help, you can ask the bank or us for professional help.