You can enjoy a 15% discount on housing loans! The specific discount depends on your actual loan method. I don't know what you want to borrow! The general loan process is that you submit personal loan requirements and general information to the bank or loan product agency, and then the bank conducts a preliminary review of the loan application of the loan applicant and arranges a special person to contact the loan applicant. If the contact person passes the preliminary examination, then guide the loan applicant to provide the required materials, and then finally issue the loan.

General loan application, the required materials are as follows, you can refer to your own judgment-

Original and photocopy of the borrower's valid identity certificate;

Local permanent residence or valid residence identity certificate

Proof of the borrower's ability to repay the loan. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

The borrower's pledge right, the list of collateral and ownership certificate required to obtain the amount of pledge and mortgage, and the written document that the owner and the real estate * * * agree to pledge and mortgage.

A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

Credit certification materials of the guarantor.

Collateral appraisal report issued by the appraisal department recognized by the society.

Other documents and materials specified by the bank.