A,With the mortgage banks should provide information
Bank mortgage loans customers to provide detailed information
1, married:
ID: the borrower and a copy of the original 4, spouse and a copy of the original 3 [two generation ID card copy of both sides, both sides must be on a page
This account: the couple and a copy of the original 2 [copy family home, index page, the registration card
Certificate of marriage: a marriage certificate and a copy of the original 3
Proof of income: the couple and a copy of the original 1 [demand unit official seal (administrative chapter) only with official seal, other places do not fill in the blank
The first payment receipt: original and 2 copies
Purchase contract: the original and 1 copy

2, divorced:
ID: original and 4 copies [two generation ID card copy of both sides, both sides must be on a page
This account: the original and 2 copy [copy family home, index page, the registration card
Certificate of marriage: divorce certificate + unmarried proof or court verdict + unmarried proof [unmarried proof to the local at or above the county level Civil Affairs Bureau]
Proof of income: the original and 1 copy [demand unit official seal (administrative chapter)]
The first payment receipt: original and 2 copies
Purchase contract: the original and 1 copy
The request for additional common reimbursement: material preparation ibid [ID card account of this marriage income proof] original and photocopy each 2 (CCB, ICBC is not required)

3, unmarried:
ID: original and 4 copies [two generation ID card copy of both sides, both sides must be on a page
This account: original and photocopy 2 pieces [copy family home index page registration card]
A single proof: the original and 1 copy / single proof at or above the County Civil Affairs Bureau]
Proof of income: the original and 1 copy [demand unit official seal (administrative chapter) only with official seal, other places do not fill in the blank
The first payment receipt: original and 2 copies
Purchase contract: the original and 1 copy

Remarks.
(a) customers apply for loans, must take [account ID of the marriage certificate for receipt of payment to the site to check the original purchase contract]
(two) except a piece of A4 paper only copy of a single page [the first payment receipt]
(three) the field account ID NO index page can not provide, to the local police station open Photo Proof of residence of no account
(four) had a number of overdue loans reached 3 consecutive, a total of 6 period of the customer shall not handle
(five) the first loan, the interest rate benchmark interest rate by 70%.

(six) a person or couple credit inquiry early housing loans, that is to say this is the second time loans, Shoufu to 40% above, and the implementation of the national benchmark interest rate broke surface 10%
(seven) the duration of the loan and the age of <60
(eight) replaced by others shall, to the notary office notarized power of attorney
(nine) all data shall be filled with black carbon pen
(ten) the ID card and account information does not match the [including date of birth number name] to the local police station to open to prove, relates to a marriage certificate to the local civil affairs bureau (Registration Office of marriage at or above the county level Civil Affairs Bureau) open to prove
5 the couple residence booklet and a copy of the original 2, such as the inability to provide for the residence of the public security department issued by the household registration certificate in 1 original and 1 copies)

Two, with the mortgage banks should provide information
Residential:
Taxes: 1629 x 1.5 (144 m below)

Registration fee: 80 yuan

Intermediary services: 0.3% 80 yuan of the total 1629 registration fee (not the same as with the above registration fee) 150 yuan fee

Payment: 3% of the garage garage, the garage registration fee: 550 yuan
Three, the Guarantee Corporation guarantee fee
Bank mortgage loans, must find a local insurance company in the property as collateral, the bank to provide mortgage services, so we must sign the guarantee contract with the Guarantee corporation. When the owner is unable to pay the mortgage, within the prescribed time limit, the Guarantee Corporation will housing recover auction, the owners pay the first payment and repayment to return to the owners, the owners of the remaining loans to banks, the remaining part by the Guarantee Corporation income.
The guarantee fee = total loans × charges

Four, matching service for calculation:

:
For the month = loan * million in January for standard

Matching principal for calculation

The above interest and owing on the loan amount is the first loan, interest rates downward float of 30%. If the second loan interest rates broke surface 10%.