Hello, the loan to buy a house in Nanjing depends on the salary income (income proof proves repayment ability) and the appraisal price of the house (the house is appraised by the appraisal company, and the loan is 50-80% of the appraisal price according to the age, decoration, floor, residential environment, pattern and area of the house). For example, you can borrow 200,000 yuan from your income, 6.5438+0.8 million yuan from your house, and you can only borrow 6.5438+0.8 million yuan. The down payment for a new house is 30% above 90 square meters and 20% below 90 square meters. You save 50 thousand every year, and you can afford the down payment. Although the policy says that 80% loans can be granted, banks will not approve 80% loans. If the company is good, the maximum loan is 60%, and the loan is almost 50%. Therefore, no matter how big you buy, it is impossible to borrow 80%. The materials to be prepared are: 1: proof of income (stamped by the business department); 2. Single marriage certificate (opened by the civil affairs bureau where the household registration is located); 3: Hukou Book # If you need to apply for a second-hand real estate loan, you will generally contact the local counter personal loan department through your specific information and the purchased real estate, and the counter personal loan department will review your comprehensive situation to determine whether you can apply. Generally, the application materials needed to apply for a second-hand building loan are: 1. Identification materials: ID card, military officer's card, etc. 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ; 3. Proof of use: the original title certificate of the purchased property, the purchase contract, and the down payment receipt confirmed by the seller (if the transaction funds are supervised, just provide the supervision fund certificate); 4. Proof of repayment ability (provide one or more of the following): (1) Provide proof of income for customers whose income is basically consistent with their local industries, occupations and positions, and their income level is sufficient to meet repayment needs; (2) For self-employed individuals and customers whose income is significantly higher than that of the same position in the local industry, supplementary proof materials of repayment sources shall be provided. Including but not limited to: ① providing a running list or a reliable list of wages paid by banks for more than three consecutive months in the past year; (2) provide proof of holding shares of relevant institutions and proof of share dividend income; (3) Provide proof of family assets, including financial assets or non-financial assets. (3) Our payroll customers can directly provide their payroll account flow, without the need for the unit to issue a separate income certificate; (4) Customers who can provide social security account running water or personal tax bills do not need the unit to issue income certificates, and the Bank calculates the customer's income according to the relevant provisions of local social security account payment or tax policies; If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan. # Loans need to be provided: ID card, household registration book, marriage certificate, income certificate, running salary, copy of business license stamped by the company, etc. Men under 60, women under 55. # 1. Information required for mortgage loan: 1. 3 copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached); 2. Original purchase agreement; 3.65438+ original and 0 copies of the advance payment receipt for 30% or more of the house price; 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ; 5. The developer's collection account number 1 copy. Ii. mortgage loan conditions: 1. Age 18-65 years old, with full capacity for civil conduct; 2. Pay the down payment; 3. Have a stable legal income and the ability to repay interest; 4. The borrower agrees to use the purchased house and its rights and interests as collateral; 5. The purchased second-hand house has clear property rights and meets the requirements for entering the real estate market stipulated by the Beijing Municipal Government; 6. The purchased house is not within the scope of the demolition announcement; 7. Other conditions required by the lending bank. Iii. mortgage loan process: 1. The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials; 2. After receiving the application, the loan bank shall confirm and review the information; 3. After the audit, the lending bank will contact the lender and sign relevant contracts; 4. For bank loans, the lender shall fulfill the repayment obligations. # Mortgage loan refers to a loan that an individual pays a certain down payment under the condition that his purchased property has a property title certificate and can be traded in the market, and the rest is applied to a cooperative institution with the property to be purchased as collateral. 1. Information required for mortgage loan: 1. 3 copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse are not in the same household registration, a marriage certificate shall be attached); 2. Original purchase agreement; 3.65438+ original and 0 copies of the advance payment receipt for 30% or more of the house price; 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. ; 5. The developer's collection account number 1 copy. Ii. mortgage loan conditions: 1. Age 18-65 years old, with full capacity for civil conduct; 2. Pay the down payment; 3. Have a stable legal income and the ability to repay interest; 4. The borrower agrees to use the purchased house and its rights and interests as collateral; 5. The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the local government; 6. The purchased house is not within the scope of the demolition announcement; 7. Other conditions required by the lending bank. Iii. mortgage loan process: 1. The lender prepares the relevant materials, fills in the loan application in the bank and submits the materials; 2. After receiving the application, the loan bank shall confirm and review the information; 3. After the audit, the lending bank will contact the lender and sign relevant contracts; 4. For bank loans, the lender shall fulfill the repayment obligations.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!