What information do you need for mortgage?

The information that customers need to provide for mortgage loan mainly includes:

1. Personal ID card, household registration book or local temporary residence permit. If you are married, you must prepare a marriage certificate and a spouse's ID card.

2. Payroll (not less than twice the monthly mortgage repayment) and personal income tax return. If the bank has no running water or insufficient running water, it can be replaced by social security payment certificate and provident fund deposit certificate, or supplemented by other financial income certificates, such as large deposit certificate and automobile driving license.

3 down payment receipt (the minimum down payment ratio shall not be less than 30%) and the purchase contract signed with the real estate developer.

4. Personal bank card (it must be consistent with the mortgage handling bank. If it is inconsistent, you can apply for one at the same time when applying for a mortgage).

It should be noted that if you buy a second-hand house, both the buyer and the seller need to provide information, not only the buyer needs to provide the above information, but also the seller needs to provide his own ID card, household registration book, real estate license, as well as the contract, agreement and relevant approval documents for the sale of the house.

Problems that should be paid attention to in mortgage loan:

1. fluctuation range of housing interest rate

The fluctuation range of loan interest rate is related to how much interest the borrower has to pay during the loan period, so we should pay more attention to it. If the fluctuation of loan interest rate is relatively small, the pressure on buyers will be relatively small, and if the fluctuation is relatively large, the pressure will also increase. Borrowers can analyze the floating range of loan interest rates of various banks for reference before applying.

2. Adjustment frequency of housing interest rate

At present, most banks agree that if the benchmark interest rate of the People's Bank of China is adjusted, banks will adjust the loan interest rate accordingly on June 65438+ 10/the following year. In addition, a few banks allow customers to float according to the loan date, that is, when the benchmark interest rate of the People's Bank of China is adjusted, the loan interest rate will be adjusted every 1 year. Generally speaking, the longer the period of interest rate adjustment, the better for borrowers.

Expenses incurred in handling loans.

When handling commercial loans, there are generally fees such as notarization fees for loan contracts, insurance premiums, mortgage registration fees, loan contract fees, evaluation fees, etc., and the total amount may reach several thousand yuan, which borrowers cannot ignore. At present, some banks are partially or completely exempted from the above fees, which is also the reason why borrowers choose after comparison.

3. Housing cost

At present, the loan interest rates of various banks are similar. For the same loan term, the loan cost is mainly reflected in the bank's regulations on early repayment and adjustment of repayment plan. Therefore, it is suggested that the borrower choose a bank that repays the loan in advance without penalty, has a low repayment starting point and can adjust the repayment plan.

4. Housing payment service

In terms of loan services, borrowers should choose banks with simple procedures and simple operations. When accepting loans, we can provide borrowers with thoughtful loan consulting and handling services, online banking and SMS prompt services, especially banks that can provide borrowers with comprehensive personal financial services and value-added services at the same time.