# You can borrow money, but our country now has strict control over second-hand houses. If you are an individual and have not gone through an intermediary, it is more complicated. I suggest you find a powerful intermediary to help you with the bank mortgage procedures. The general fee is 2.5% of the loan amount. If you are afraid that you can't get a loan after paying the deposit, I suggest you go to an intermediary to make an intermediate guarantee. If the bank mortgage is not approved, the original deposit will be returned, which will save trouble and reduce risks. # Loan conditions of mortgage loan: legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year; Being able to provide effective guarantee recognized by the loan bank; Other conditions stipulated by the loan bank # Commercial loan application conditions: legal residence status; Have a stable occupation and income; Having the ability to repay the loan principal and interest on schedule; There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions as their guarantees; There is a contract or agreement for the purchase of housing; When applying for a loan, there is no less than 30% deposit in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; Other conditions stipulated by the lending bank. # You can apply for a loan, and the information required for buying a house with a mortgage loan is as follows: 1. Household registration book; 2. Identity card; 3. proof of income (model provided by the loan bank), and the running bill of salary card or income bank card must be stamped by the bank; 4. Marriage certificate (not required for singles); 6. The certificate of the first suite (issued by the county real estate trading center where the real estate is bought and sold) is not required for the second suite; 7. Personal credit certificate; 8. If you are a non-local hukou, you need a temporary residence permit or a temporary residence permit. # Do you have a house in your name? Personal credit problems such as overdue credit cards. If you are the first suite, you can only borrow 15 years according to your current age. The process of preparing your ID card and divorce certificate (you can apply for a fake divorce) is that you pay the down payment and then wait for the developer to hand over the house. After the real estate license comes down, the house will be transferred to your name, and then the monthly payment will be fine. # Personal tax payment certificate or social security certificate is basically enough! But buying a house is a big deal. You'd better ask the Housing Authority yourself! Or the bank loan management office! # Specifically, take your personal data and check with the credit department of the bank. More professional and more understanding. More alive. The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!