The housing loan of Bank of Communications requires the applicant to have good credit information, which meets the requirements of the bank. According to whether it is a first-hand house or a second-hand house, the approval procedures are as follows:

1. First-hand housing mortgage loan

The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.

2. Second-hand housing mortgage loan

Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and no house certificate.

After the materials are accepted and approved, the payment is generally made within 15 days.