Generally, you need to choose a loan bank that suits you.

Conditions for applying for a mortgage:

Have a fixed residence in the location of the lending bank, have a permanent residence or valid residence certificate, be under 65 years old (inclusive), and have full civil capacity Chinese citizens;

Have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on time;

Have a good credit record and willingness to repay, and have no bad credit record;

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Be able to provide a legal, effective and reliable guarantee recognized by the bank;

Have a clear loan purpose, and the loan purpose complies with relevant regulations;

Open a personal account with the bank Settlement Account.

Documents required for home buyer loan business:

1. Provident fund loan:

(1) The identity of the lender, spouse, *** and borrower Proof, marriage relationship certificate;

(2) Bank card of the borrower (couple);

(3) House purchase contract or agreement.

2. Combination loan:

(1) Bank card of the borrower (couple);

(2) Occupation of the borrower and *** the same as the borrower Proof of income;

(3) House purchase contract or agreement.

3. Commercial loan:

(1) Proof of professional income of the borrower and the same borrower;

(2) House purchase contract or agreement.

Summary: It takes 15 working days for personal provident fund loans to be approved, and 10 working days for mortgages; portfolio loans generally take 15 working days to about one month; approval of general commercial loans It takes about 5-7 working days after the interview and all documents are complete.