With the development of the economy and the improvement of people's living standards, more and more people choose to meet their financial needs through home mortgages, such as house purchase, decoration, education, medical care, etc. When handling the housing arrival business, it is very important to prepare complete information. This article will give you a detailed introduction to the materials you need to prepare to go to the bank to apply for a mortgage.
1. Proof of identity.
1.The original and photocopy of the ID card of the borrower and the mortgagor to ensure that the ID card is valid and ** consistent with the person.
2.If the borrower is an enterprise legal person or an individual industrial and commercial household, a copy of the business license, the organization certificate, the tax registration certificate and other relevant documents are also required.
2. Proof of real estate.
1.The original and copy of the real estate certificate to ensure that the information on the real estate certificate is consistent with the actual situation of the house.
2.If the property is a co-ownership property, a certificate of co-ownership and a written certificate of the co-owner's consent to mortgage are required.
3.The original and photocopy of the land use right certificate of the house (if any).
3. Proof of marital status.
1.If the borrower is married, the original and a copy of the marriage certificate must be provided.
2.If the borrower is unmarried, a certificate of unmarried is required (which can be issued by the civil affairs department).
3.If the borrower is divorced, the original and photocopy of the divorce certificate and divorce agreement or court judgment must be provided.
4. Proof of income.
1.Borrowers are required to provide bank records for the past six months to prove their stable income**.
2.If the borrower is an enterprise legal person or an individually-owned business, the financial statements (balance sheet, income statement, cash flow statement, etc.) of the enterprise for the past year are also required.
5. Proof of the purpose of the loan.
1.The borrower is required to provide relevant supporting materials for the purpose of the loan, such as the purchase contract, renovation contract, tuition receipt, etc.
2.The bank may review the use of the loan to ensure that the use of funds is compliant.
6. Other information.
1.Credit reports of borrowers and mortgagors to assess their credit profile.
2.Other relevant materials required by the bank, such as appraisal report, letter of guarantee, etc.
When preparing the above information, the borrower should ensure that the information provided is true, complete and accurate. Falsehoods or omissions may result in the failure of the loan application or affect the loan amount. At the same time, borrowers should fully understand the bank's loan policy, interest rate, term and other relevant information before handling the mortgage business, so as to choose the most suitable loan product for themselves.