Loan applicants need to have valid identity documents. Generally, when handling loans, in addition to personal marriage certificate or single certificate, you should also provide your own ID card and household registration book. Foreigners who buy houses with local loans should also provide their local temporary residence permits or other legal residence certificates.

(2) The person applying for a loan needs to have a stable job and a stable income, and there should be no credit problems, so as to repay the loan on time. Therefore, when applying for a loan, you need to provide your own work certificate and income certificate.

(3) The loan applicant needs to have some self-raised funds, because when handling the loan, the applicant is required to pay more than 30% down payment first.

(4) The person applying for a loan needs to have assets recognized by the loan bank for mortgage or pledge. Generally, when applying for a housing loan, he will mortgage his property to the bank and then sign a formal loan contract.

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