1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).
2. The original purchase agreement.
3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.
4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.
5. The developer's collection account number is 1 copy.
The loan procedures and processes are as follows.
First of all, please go to the bank to understand the relevant situation. And apply for personal housing loans with all relevant materials.
Then accept the bank's review of you and determine the loan amount.
Next, you can apply for a loan contract and the bank will apply for insurance. Handle the registration and notarization of property right mortgage.
The last thing left is the cancellation of registration after the bank issues loans, the borrower repays on a monthly basis and pays off the principal and interest.
After the above procedures and formalities, you can get a new house through mortgage.