Generally, the down payment for buying a house is paid by oneself, and the down payment ratio for the first suite is 20-30%, so the bank needs the lender to issue a deposit certificate of more than 200,000 yuan.

Personal housing mortgage loan conditions:

1, with urban permanent residence or valid residence status;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. The self-raised funds of more than 20% of the total price of the purchased house are guaranteed to be used to pay the down payment of the purchased house;

4. Use assets recognized by the bank as collateral or pledge, or use units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a house purchase contract or agreement, and the price of the house purchased is basically in line with the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.

Information to be provided when applying for mortgage:

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book.

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3. Proof of income (format stipulated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.