1. If you pay the down payment, you can get a loan from the bank. If you want to buy a house, you need to provide: husband and wife's ID card, household registration book, marriage certificate, income certificate, and bank flow (6- 12 months). If you have a college degree or above, you need to provide proof of academic qualifications. The seller needs to provide: ID card, marriage certificate, and household registration book for both husband and wife. The price of second-hand houses needs to be evaluated by a professional evaluation agency, which will issue an evaluation report. The specific cost depends on local standards. Second-hand housing loans can reach 70% of the assessed value, and the longest loan period is 30 years. It is best to use someone with a local account to borrow money, and the other party can act as a co-lender. You can ask the real estate agent for help. )

2. If you want to buy a house in full and then mortgage it, you can do it after the house purchase and sale procedures are completed and the household registration book is processed. You need to provide the husband and wife's ID card, household registration book, marriage certificate, real estate license, house purchase contract, house purchase invoice income, bank running water and other financial proof purposes, so that you can directly spend money, and the money can be directly transferred to your account (you can ask the local guarantee company for help).

If you buy a new house, the developer will help you get a loan. When you go to the real estate to see the house, the people in the sales office will give you detailed information and calculation results (directly operated by the developer).

Personally, I think it is more cost-effective to buy second-hand houses with mortgage loans, and the interest on mortgage loans will be higher. And no matter what kind of loan you want to apply for, you can help local professional companies to operate it. Besides paying a little handling fee, it saves time and effort in other provinces.