It depends, but generally it is 6-8 times the salary, not more than 10 times, and the term depends on the loan company, at least 3 months.

The loan needs to prepare the following procedures:

1. Original and photocopy of the borrower's valid identity certificate;

2. Local permanent residence or valid proof of residence.

3 proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

4. Pledge right, the list of collateral and ownership certificate required for the borrower to obtain the pledge and mortgage amount, and the written document that the owner and the real estate * * * agree to pledge and mortgage.

5. The guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

6, the guarantor's credit certification materials.

7. Collateral assessment report issued by a socially recognized assessment agency.

8. Other documents and materials stipulated by the bank.