Materials to be prepared for bank mortgage loan: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank flow, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes. If you can provide the mortgaged property accepted by the lender (whether it is your own or someone else's, it is legal), then there is no need for company guarantee; Only when the above-mentioned property cannot be provided, or if it is provided but does not meet the requirements of the lender, will the guarantee company be used to provide guarantee after charging a certain fee.
Legal objectivity:
Measures for the Administration of Registration of Urban Real Estate Mortgage Article 3 The term "real estate mortgage" as mentioned in these Measures refers to the act that the mortgagor provides the mortgagee with a debt performance guarantee with his legal real estate without transferring possession. When the debtor fails to perform the debt, the creditor has the right to be paid in priority with the proceeds from the auction of mortgaged real estate according to law. The term "mortgagor" as mentioned in these Measures refers to a citizen, legal person or other organization that provides legally acquired real estate to the mortgagee as a debt guarantee for himself or a third party. The term "mortgagee" as mentioned in these Measures refers to the citizens, legal persons or other organizations that accept real estate mortgage as the debtor's debt guarantee. The term "pre-purchased commercial housing loan mortgage" as mentioned in these Measures refers to the behavior that after the purchaser pays the down payment, the loan bank pays the remaining house payment and mortgages the purchased commercial housing to the loan bank as a loan repayment guarantee. The term "mortgage of construction in progress" as mentioned in these Measures refers to the act that the mortgagor, in order to obtain the construction loan of construction in progress, mortgages the legally obtained land use right together with the investment assets of construction in progress to the loan bank as a loan repayment guarantee without transferring possession.