At present, the loan policy is basically the same, and the interest rate of the first suite can be 15% off. Some areas can be exempted from deed tax if they buy a house again. The conditions for buying a house by loan are as follows:

1. Household registration books, identity cards and photocopies of the borrower's husband and wife (* * * same owner).

2. The purchase contract or agreement signed with the sales unit.

3. The position and income certificate issued by the borrower's unit. Private enterprises mainly provide business income and tax payment certificates, business licenses and copies issued by relevant departments that can show their debt repayment.

4. The borrower's down payment deposit certificate and a copy.

5, personal housing loan application form (provided by the bank format).

Personal purchase information:

1. Household registration books, identity cards and photocopies of the borrower's husband and wife (* * * same owner).

2. The purchase contract or agreement signed with the sales unit.

3. The position and income certificate issued by the borrower's unit. Private enterprises mainly provide business income and tax payment certificates, business licenses and copies issued by relevant departments that can show their debt repayment.

4. The borrower's down payment deposit certificate and a copy.

5, personal housing loan application form (provided by the bank format).