Loans are divided into provident fund loans and commercial loans. Provident fund loans must meet the following conditions: the balance of provident fund is greater than 16667 yuan, the monthly payment is greater than that of 780 yuan, and the loan can reach 500,000 yuan; The balance of the supplementary provident fund is more than 10000, and the loan can be 654.38+10,000 yuan after continuous deposit for 6 months. The loan must meet the bank's monthly flow of 2. 1 double the monthly repayment amount.

According to your situation, the first loan is 35% down payment, and the remaining 65% is used for loans. Under normal circumstances, banks measure your repayment ability by examining income certificates and running water certificates, which requires double protection. If your income certificate and running water cannot be issued, there are two ways: 1. Consider increasing the down payment ratio and reducing the loan ratio, so that the income and running water certificate do not need to be opened so much, and the purpose of loan review can be achieved; 2. In some cases, if your down payment is 50% or more, the bank will not strictly require your income and running water certificate.

I hope my answer can help you.