Cann't handle it You can get a credit loan after half a year of repayment.

Mortgage to buy a house condition:

Have a valid identity card and proof of marital status;

Good credit record and willingness to repay;

A steady income;

Commercial housing sales contract or letter of intent for the purchased house;

Have the ability to pay the down payment of the purchased house;

Open a personal settlement account with a valid guarantee in the bank.

Information required for mortgage loan:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.