As long as the personal credit report has good credit, no malicious overdue records, a stable career, and a stable income, you can apply for a loan. You need to provide your ID card, marriage certificate, household register, income certificate, bank statement, and credit report. Just check the authorization application. New house process: pay deposit down payment - sign commercial housing sales contract - go to the bank to apply for a loan and sign the loan agreement materials - the developer issues a guarantee contract to the bank - the bank approves the loan - the house payment is given to the developer - the buyer makes monthly payments - —Bank mortgage registration

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