Identity cards and funds are full, and you need to buy a house by family, and you can only buy a house; Hold Hong Kong and Macao residents' passes to and from the Mainland, Hong Kong and Macao residents' identity cards, etc. , and at the same time provide relevant proof of living, studying or working in the mainland for one year; Hong Kong people are not allowed to buy non-self-occupied houses or non-self-occupied commercial houses in the Mainland. Hong Kong people can buy a house in the Mainland as long as they meet the following three conditions: 1. Buyers need to have legal ID cards and household registration books. If you are married, both husband and wife need to provide relevant certification materials. 2. If the purchase is restricted, you need to meet the local purchase restriction policy. 3. When buying a house, the down payment shall not be less than 30%, and an application form for individual housing loan shall be filled in. Pay attention to three points when buying a house: 1. If you take out a loan, you need to prove to the bank that you have the ability to repay it. At this time, you need to have relevant information such as bank flow, income certificate and so on. Bank loans are usually integers, so when preparing the down payment, prepare as much as possible. You need to have a good credit report before you get a loan. If there are some loans to be repaid at present, repay them as soon as possible, which is also conducive to the approval of mortgage loans. 4. If you have provident fund, choose provident fund loans as much as possible, because the interest rate of provident fund loans is lower than that of commercial loans.