When buying housing, many people choose to ease economic stress through housing mortgages. Repayment pressures can be dispersed through long-term loans, but a number of necessary information documents need to be provided to banks during the application process. This article provides details of the material required to apply for a mortgage on housing。

What information is needed on mortgages? This information is not necessary

First,** identification** is essential. When applying for a mortgage, the borrower must be 18 years of age or older, and most banks require that the borrower be a resident of mainland China. Borrowers are therefore required to provide valid identification documents such as identity cards, passports, etc。

** The statement of account** is also one of the key information for applying for a loan. The borrower is required to submit his or her own page and the head of household page on the account book. If the account book is not available, a certificate of account will also be required to travel to the local police station。

For ** a certificate of marriage**, the bank needs to know the marital status of the borrower. Married persons are required to provide a marriage certificate, divorced persons are required to provide a divorce certificate, divorce agreement or civil settlement, while single persons are required to provide a single certificate。

** Income certificate** is also essential for loan applications. The borrower is required to apply for a certificate of income from the company or unit in which it is located. As a general rule, the monthly income in the certificate of income shall be more than 2.2 times the monthly contribution to be repaid。

** The bank flow** is an important basis for the bank to review the ability of borrowers to repay. The bank looks at the accounts where the borrower receives a monthly salary and requires that the monthly income be roughly the same as the amount on the income certificate and that the monthly income be at least twice the monthly contribution。

IN ADDITION,** THE CORRESPONDENCE REPORT** IS INDISPENSABLE. BANKS USE LETTERS TO OBTAIN INFORMATION ON THE CREDIT LEVELS AND LIABILITIES OF BORROWERS. WHEN APPLYING FOR A MORTGAGE, THE BORROWER ' S LETTER OF CREDIT CANNOT BE SERIOUSLY OVERDUE, THE LIABILITY RATE IS BELOW 50% AND THE NUMBER OF LOAN ENQUIRIES IS SUBJECT TO BANK REGULATIONS。

The above is the main information required to apply for a housing mortgage, which can greatly improve the success rate of the loan application。