If you have a loan and repay it in half a year, you can apply for a mortgage loan.

Conditions to be prepared for handling bank mortgage:

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If applying for a policy-based personal housing loan, the housing provident fund shall be deposited in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Materials to be prepared for handling bank mortgage:

1, loan application form;

2. Subscription agreement or sales contract;

3. identification;

Identity certificates refer to: foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards and home visit cards. If you work in Shanghai, you need to provide a work permit. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located. If you work in Shanghai, you only need to provide a marriage certificate issued by the Shanghai company. Credit certificate refers to the annual family financial report, stock trading list and government tax bill of the accounting firm in the country where the foreigner is located. If you work in Shanghai, you only need to provide proof of the company's income in Shanghai.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).