First, the bank should check whether you have a bad record. If you buy a second house, the review may be very slow, because the country now has regulations in this regard, and you can prepare for the formalities after passing. If you are not a local, ask a local for a guarantee first. Of course, the guarantor should also have no bad record, and then prepare your ID card, household registration book, marriage certificate (unmarried certificate or marriage certificate) and income certificate. If you are married, you should provide the materials of both husband and wife.