If you buy the residential area developed by our company by way of mortgage loan, please pay attention to the following matters:

I. Required information

(a) Personal information

1, the husband and wife's identity card (within the validity period), household registration (the first page and the borrower's own page, the age of the borrower + borrowing period less than the retirement age) (male 60 years old, female 55 years old) copy

2, a copy of the marriage certificate (need to copy the photo page, there is an ID card number page)

Note: 1, military personnel who do not have an ID card can be replaced by a military ID card or military officer's card.

2, if the household register, marriage certificate has manual traces should be stamped with the official seal of the issuing unit.

3, widowed or divorced need to provide relevant proof.

4, non-city account need to find the account for the city as a contact person, the contact person needs to provide a copy of the ID card, account book, and review the original.

Note: The second-generation ID card needs to be copied front and back, and on the same piece of paper;

Those who have expired or lost their ID cards need to go to the police station where the account is located to get a certificate of household registration with a photo;

Those who have lost their account books need to go to the police station where the account is located to get a certificate of loss of the account book;

Those who have lost their marriage certificates, or those whose marriage certificates don't match the name or date of birth in the ID card and account book, should go to the civil affairs office to get a certificate of loss. For those who have lost their marriage certificates, or whose marriage certificates do not match the name or date of birth in their ID cards and household registration books, they should go to the Civil Affairs Bureau for replacement or to the Civil Affairs Department for a certificate.

All of the above documents need to be submitted three copies, the issuance of certificates need to provide the original and three copies, with A4 paper copying, copying must be kept clear (ID card, hukou, marriage certificate on the name, date of birth, identity card number must be the same).

(B), proof of income

1, salaried people; the issuance of unit salary income certificate, and stamped with the official seal of the unit (husband and wife), fill in the address of the unit, the unit phone number (landline), and the person in charge of the unit must be signed (invalid hand stamp must be signed).

2, individual or doing business; (2 copies of each)

(1) a copy of the business license

(2) a copy of the tax registration certificate

(3) the last three of the original tax stamps (tax clearance certificate)

(4) operating instructions

Note: If there is no the above (2) (3) can be provided the last three months of the Bank current (passbook, card), and the account name of the passbook and card provided must be consistent with the names of both husband and wife of the lender.

3, in the major shopping centers in BaiGou business customers can provide the major shopping center management committee to show the proof and the last three months of bank water (passbook, card), the borrower's husband and wife's name to provide the passbook, the card account holder's name is consistent.

Note: If the last three months of the flow is less then you need to provide no less than the last six months of the flow.

(C), for the Bank of China customers need to pay attention to:

1, unmarried must provide the civil affairs bureau where the account issued by the unmarried certificate, stamped with the official seal.

2, the main borrower to provide a recent small two-inch bareheaded blue background photo, and the main borrower's name to open an account with the Bank of China fold (must be live a pass, but also the mortgage special fold) the original and a copy.

3, open payroll proof of the customer must provide a copy of the unit's business license; do business with the customer major mall operators can provide major mall management committee to produce proof and the last three months of the bank water (passbook, card), the borrower's husband and wife's name to provide the passbook, the card account holder's name in line, if the water is not good, or there is no business license of the customer is not suitable for the The bank's loan.

4. There is no need to provide a contact person.

(d), for Agricultural Bank of China customers need to pay attention to:

1, open the salary certificate, in addition to providing proof of salary also need to provide a copy of the unit's business license (income is too high for customers need to provide the last three months of the work order or payroll water). Business income need to provide business license (or proof) and bank water.

2, to provide the main borrower's name to open an account in the name of the Agricultural Bank of China card information query one.

3, unmarried must be provided by the Civil Affairs Bureau of the unmarried certificate.

4, non-Baoding City account customers need to provide a local account of the contact person (the contact person needs to provide a copy of the ID card, account book, need to check the original).

5, the investigation of income instability or the nature of the unit for the catering and entertainment industry customers must provide eligible and local account of the third party natural person as a guarantor, need to bear joint and several repayment responsibility. (The guarantor needs to provide two copies of ID card, account book, need to check the original, proof of income and a copy of the business license)

6, special attention: the borrower needs to copy the borrower's account book of the head of the personal page and parents, siblings of the personal page.

Second, the required fees:

1, real estate mortgage service fee and real estate advance registration fee according to the latest standards of the real estate institute.