The information and procedures required for handling the house purchase loan are as follows:

Buy a new house:

ID card, household registration book, marriage certificate, income certificate, bank account, and house purchase contract (providing information on both husband and wife for married people)

Conditions: As long as there is a stable income and the bank has running water, the monthly running water is enough. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment needs 2,000 yuan, and the monthly income needs about 4,000 yuan. Another requirement is that the credit can't be overdue. The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families.

Buy a second-hand house:

ID card, household registration book, marriage certificate, income certificate, bank account, (married couples provide information)

The conditions are the same as those of a new house: as long as there is a stable income and the bank has running water, running water every month is enough. The monthly income on the income certificate needs to be twice that of the monthly payment, for example, the monthly payment needs 2,000 yuan, and the monthly income needs about 4,000 yuan. Another requirement is that the credit can't be overdue. The requirement of ordinary banks is that they cannot be overdue for three times in a row and six times in two years, which is based on families.