First of all, you need proof of income, and the monthly payment (loan amount and outstanding loan) should be more than two. As for the requirements of running water, it needs to be decided according to the loan amount, the choice of banks and the qualifications of lenders.

Necessary rental spare parts:

1. Foreign registered personnel are required to provide ID card, household registration book or household registration certificate, marriage certificate and birth certificate of minor children (if any), and pay social security or tax bill for 60 months normally within 63 months before the online signing date (overdue is not counted).

2. Local household registration personnel shall provide ID cards, household registration books or household registration certificates, marriage certificates and birth certificates of minor children (if any).

3. Foreigners, Hong Kong, Macao and Taiwan residents are required to provide identity documents, employment certificates, labor contracts in Shanghai that have been in Shanghai for 1 year since the date of purchase, and corresponding tax bills or social security bills.

Secondly, the borrower must have a stable and legitimate economic income, and can provide corresponding income and asset certificates:

1. Self-employed individuals, private enterprises and private borrowers can provide tax receipts or audited financial statements and copies of business licenses for the past three months.

2. The income certificate is issued by the borrower's work unit and stamped with the company's official seal (or personnel seal).

3. If the running water does not match the income, that is, the running water is not enough to cover twice the monthly payment, you can provide other valuable assets, such as houses, deposits, wealth management, stocks, funds, etc. A natural person with full capacity for civil conduct has no bad credit record (in principle, he has been banned for three consecutive years and six consecutive years, subject to the credit requirements in bank loans), signs a valid purchase contract or purchase agreement with the owner, and pays the down payment according to the prescribed proportion.

On the one hand, you can provide your large property or the deposit in the bank account at the same time. The purpose of the bank is to doubt the repayment ability of the individual, so as long as it can prove the repayment ability, it is ok. Housing loan banks have less running water, which can also extend the loan period, increase the down payment and reduce the loan amount.