If you have real estate and good running water, you can do it in any bank, and the handling fee will not be much.

If you don't have real estate and the water is good, get a credit card. However, credit cards can only be used for two years. There is no interest, and the handling fee is quite high. The cost depends on whether the 4S store has signed a contract with the bank.

The required information includes: copy of real estate license (or house purchase contract), ID card, household registration book, bank account, income certificate and copy of house purchase contract. You buy it in a 4S shop, and the staff will explain it to you clearly.