If you handle it yourself, the borrower needs to provide materials.

1. I and my spouse's valid identification (ID card, household registration book or other valid proof of residence), and individual operators should provide business licenses (check the original and keep a copy);

2. Proof of the borrower's marital status (marriage certificate or single certificate);

3, foreign, foreign or single, must be guaranteed by a person with a local account;

4. Proof of income and property of the borrower and spouse;

5. Purchase contract and down payment receipt;

6. Commitment letter of real estate mortgage;

7, bank housing mortgage loan application approval form.

Loan amount and term

1, the maximum loan amount shall not exceed 80% of the total price of the purchased property, and the maximum loan amount of commercial outlets shall not exceed 60%;

2. The loan term plus the borrower's age shall not exceed the statutory retirement age, and the longest shall not exceed 30 years.

loan

1. The borrower signs a house purchase contract with the developer and pays the down payment;

2. The borrower applies for a loan and submits loan information;

3. Bank acceptance, investigation and approval;

4. The bank signs a loan contract with the borrower;

5. Go through notarization and insurance procedures; 6. Banks issue loans