Housing loan is to apply for a loan with the house you just bought as collateral, as follows;

1. First-hand housing mortgage loan

If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.

Loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), certificate of no house, certificate of unit income, guarantee certificate of guarantee company, etc.

Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.

2. Second-hand housing mortgage loan

When you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.

Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), sales contract, deed tax ticket, appraisal report, buyer's income certificate, no house certificate, etc.