It can be done.

Application conditions

1. The applicant must be a Chinese natural person with full capacity for civil conduct

2. Have a legal residence ID card

3. Have a stable economic income

4. Have a legal and valid contract, agreement or relevant approval document for purchasing, constructing, overhauling a house, etc.

5. Have a property that is no less than what you purchased , a down payment of more than RMB 30 for the entire price of building or overhauling a house

6. Be able to provide assets approved by the handling bank for mortgage or pledge, or (and) legal persons and other economic organizations with sufficient repayment capacity as The guarantor who repays the principal and interest of the loan and assumes joint liability

7. Other conditions stipulated by the handling bank

Required materials 1. Identity document (resident ID card, household registration, residence certificate or Other identity documents)

2. Proof of borrower’s repayment ability

3. Legal house purchase (construction, overhaul) contract, agreement or (and) other approval documents

4. A list of mortgages or pledge rights, ownership certification documents, a certificate of consent to mortgage or pledge issued by the person with the right to dispose of the property, and a mortgage valuation report issued by an appraisal agency recognized by the lending bank

5. The guarantor’s written opinion agreeing to provide guarantee and the guarantor’s credit certificate

6. Documents proving the borrower’s self-raised funds for the purchase (construction, overhaul) of housing

7 .Other documents and information specified by the lending bank

8. Other information required for different loan purposes

Process 1. Application: The borrower goes to the bank to fill in the loan application form and Provide relevant materials

2. Investigation: The bank will investigate the information provided by the borrower

3. Approval: The bank will review and approve the borrower's application

4. Signing the contract and completing related procedures: If the lending bank agrees to the loan, the borrower and the lender sign a loan contract. Depending on the loan guarantee method, a mortgage contract, pledge contract, or guarantee contract shall be signed at the same time; in accordance with national laws and regulations, as well as bank regulations, procedures such as real estate insurance, mortgage registration, or contract notarization shall be handled

5. Loan contract It takes effect and the funds are transferred to the developer's account

For details, please see /finance/2016/0701/2830325.shtml