What information does the mortgage need to provide?

Mortgage requires the following information:

I. Identity documents (referring to resident identity cards, household registration books and other valid residence certificates);

2. Proof of the stable income of the borrower's family;

Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents;

Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate;

Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department;

6. Other documents or materials required by the lender.

Extended data:

Description of repayment method

Average capital plus interest

Matching principal and interest repayment method means that the borrower repays the loan principal and interest with the same amount every month (commonly known as "monthly payment"), referred to as "matching method" for short.

Repayment characteristics: equal principal and interest, that is, the sum of monthly repayment principal and interest is equal. This repayment method is easy to make a good repayment budget and reduce the initial repayment pressure, but interest accounts for most of the monthly repayment amount in the initial repayment. In the subsequent repayment, the proportion of principal gradually increased and the proportion of interest gradually decreased, thus achieving a relative balance. This repayment method is suitable for ordinary wage earners.

Calculation method of equal principal and interest repayment: equal principal and interest repayment amount (monthly repayment amount) = [loan principal× monthly interest rate× (1+monthly interest rate )× repayment months ]↓[( 1+ monthly interest rate )× repayment months]

Average capital

The average capital repayment method refers to the borrower's equal monthly repayment of the principal, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called the diminishing method.

Characteristics of repayment: the repayment of principal is the same as monthly repayment, and the interest is calculated on a daily basis according to the loan principal amount. The early repayment is large, and the monthly repayment is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. This repayment method is suitable for families with better economic income.

Calculation formula of equal principal repayment: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.