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The problem of applying for housing loan for the first time
Please take a copy of my ID card and the notice of termination of the labor contract issued by the last unit that paid the provident fund in Shanghai in that year, or the last unit that paid the provident fund in Shanghai issued the notice of termination of the labor contract, cancel the account at the Shanghai Provident Fund Management Center and withdraw all the provident fund.

You have a deposit of 654.38+million, plus the provident fund you withdrew in Shanghai. If the down payment is not enough, I suggest you buy a second-hand house instead and apply for a zero down payment bank mortgage through your local reliable loan agent or real estate agent.

If you already have a full property, you can apply for a mortgage loan from the bank; The property you are going to buy needs to apply for a mortgage loan from the bank, so if the down payment is not enough, you can apply for a zero down payment to buy a second-hand house through a loan agent or a real estate agent.

I am a loan agent in Chongqing.