It depends on whether you want to move your account when you buy a house with a loan. If it is the first suite, it is no problem to buy a house and move to the account, or you can choose not to move the account, because the location of the account does not affect the house loan.

If there is no housing loan for registered permanent residence's relocation, you only need to provide the bank with marriage certificates, household registration books and income certificates of both parties; If you want to buy a house and move to an account, you must show the original real estate license and keep a copy. In this case, moving accounts should belong to buying a house. (Other required information and regulations need to be consulted with the Housing Authority where the house is located).

Conditions for buying a house with a loan

1,1natural person aged 8-60;

2. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old;

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;

5. Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of purchased houses;

6. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

Materials for buying a house with a loan

1, husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

3. Two copies of marriage certificate/divorce certificate or court judgment/single certificate;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.