1. You need to provide collateral, usually real estate.

Generally speaking, the bank requires that the property cannot be mortgaged (or even if the mortgage loan has not been repaid) unless you can repay the last loan before the loan.

3. It is usually required that the age of the property should not be too high (it is rarely accepted that the house is older than 20 years).

4. Generally, you can borrow 60% ~ 80% of the appraised value of the house in the bank.

Credit loan:

1. General credit loans require the applicant to have a legitimate occupation and a stable income (generally, it is required to provide a bank statement to prove salary income).

2. You need to have a good credit record, and you can't have malicious arrears or multiple delays in repayment.

3. If you have real estate and vehicles, it can help you increase the amount and possibility of loans.

The loan amount is generally about 10 times of your monthly salary.

The basic information to be provided includes the loan application form; Copy of ID card (including spouse); Copy of account book; Copy of marriage certificate, etc

When applying for personal housing and shop loans, the borrower must provide the commercial housing purchase contract or commercial housing sales contract, as well as the down payment certificate (invoice and bank payment slip);