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When buying a new house in Dalian, should I make a down payment or apply for a loan first?

(China Merchants Bank) can generally handle it at the same time. You can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the staff at the real estate site and submit the information to staff. If not, you generally need to contact the local personal loan department to provide personal information and the status of the property you purchased to apply. First-hand property loan applications generally require the following application materials: 1. Identity documents: ID card, military officer ID card, etc.; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.; 3. Documents proving the purpose: documents proving the original ownership of the purchased property, house purchase contract, down payment receipt confirmed by the seller (if transaction fund supervision is adopted, proof of the entry of the supervision funds into the account is sufficient); 4. Evidence of repayment ability. If you need to provide other information for this loan, the handling bank will notify you in time. You can also confirm this information in detail through the handling bank when applying for a loan.