(1) have legal status.
(2) Have a stable income and good credit, and have the ability to repay the loan principal and interest normally.
(3) Have a valid house purchase certificate or sales contract, and submit other supporting materials required by the loan bank.
④ More than 20% of the purchased house price is self-raised, and the down payment can be paid.
(5) Having collateral recognized by the loan bank or a legal person or natural person with sufficient repayment ability as the guarantor.
⑥ Other conditions stipulated by the lending bank.
Mortgage to buy a house needs information including ID card, household registration book, professional title certificate and proof of marital status. If you are married, you need to provide information about your spouse. At present, the information required by different banks will be different, so you should prepare the information according to the situation of the loan bank, but you need to pay attention to preparing the original and copy.
Click to view: Chengdu mortgage to buy a house conditions.