The approval of a loan to buy a house does not depend on which bank, but on the individual situation. If the applicant has a strong repayment ability, has a stable job and income, and the information provided is complete Generally, the loan can be approved within one month, and the better the qualifications of the borrower, the faster it will be approved, and the higher the amount that can be applied for.

When applying for a house mortgage loan, you need to prepare your ID card and household registration book, the signed house purchase contract or the property ownership certificate of the house. Bring the corresponding information to the bank to apply. The bank will ask Applicant’s authorization to go out for personal credit inquiry and proof of income.

Nowadays, people more or less have some debts in their names. When buying a house, you can pay off the debt first. After reducing the overall debt, you can increase the loan approval rate, and in order to avoid the problem of house purchase It is recommended that when buying a house, the overall debt amount will not exceed 1/2 of the income.