Non-local hukou: social security or tax payment certificates for 24 months or more in the last three years are required, and a house is restricted, with a maximum loan of 4%; If you have a bachelor's degree or above, and have social security for half a year, the maximum loan is 7% if you have no mortgage record under your family name, and 4% if you have a mortgage record.
most second-hand houses can be combined with loans, but only when the buyers meet the requirements of provident fund loans can they use combined loans.
I hope my answer will help you, and I wish you a happy life!