First of all, you have to pay a down payment of 30%, and then give a copy of your ID card to the developer so that he can check your credit information. Credit information refers to whether you have other outstanding loans or bad records. If it is good, take a bank card to the bank to open the SMS function. You can only prove that you have the ability to repay your frequently used bank card 1 year, and your income also proves that you have a business license or tax registration certificate. If you take a copy, you can also give it to the developer to apply for a loan at the bank, and the bank developer will inform you to sign it.