There are two types of housing loans: the purchase of commercial housing (newly built) and second-hand housing. The purchase of commercial housing is generally the cooperation of several banks selected by developers, and bank loans can be made after signing the contract for the purchase of commercial housing; Second-hand housing loan is a house with trading conditions. The original owner provides ID card and real estate license, and the buyer provides identity certificate, income certificate and down payment of housing loan. In addition, the real estate license is a document that legally owns the real estate and has credibility. Your description is relatively simple, and you can't specifically understand the situation you want to borrow.