At present, the state stipulates that the first house under the name of one person or husband and wife is 30% down payment, the second house is 60%, and the third house must be paid in one lump sum; If you need a loan, you can consider using a mortgage loan to make a loan with the original one or two suites as collateral.

Housing mortgage bank loan procedures:

1. Need to open a current deposit account with a banking institution;

2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank;

3. The bank business manager or appointed lawyer shall conduct home visits to investigate the authenticity, legality and completeness of the information provided;

4. After the approval of the bank, notify the approval result and sign the loan contract;

5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;

6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract;

7. Please repay the principal and interest according to the loan contract.