Mortgage loans cannot be applied for vehicles that are paid in installments. To apply for a loan to buy a house, you can apply directly to the bank.

The conditions for applying for a mortgage to buy a house are as follows:

A natural person aged 18-65;

Have a valid ID card;

Good credit, no bad records;

Have a stable career and stable income;

Have a commercial housing sales contract or letter of intent to purchase a house;

Have Ability to pay the down payment for the house being purchased;

Open a personal settlement account in the bank and have a valid guarantee;

Other conditions specified by the bank.

Documents needed to apply for a mortgage to buy a house:

Original and photocopies of the borrower’s and spouse’s ID cards;

The original and copy of the household registration book of both the borrower and his wife Copy;

Proof of marital status;

Original house purchase agreement;

Original and copy of advance payment receipt for house price RMB 30 or above;

Proof of income;

Bank statement;

Education certificate;

Bank deposit certificate;

Other proof of financial resources;

The developer's collection account number;

Other materials specified by the bank.