You must open an account first, otherwise the bank will not accept it. After moving the account,
1. First-hand housing mortgage loan
If you buy a newly developed house, you need to mortgage the newly bought property and apply for a mortgage loan for the lender yourself.
The loan procedures need: the identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate (sales contract), land certificate (or copy), no house certificate, unit income certificate, and guarantee company guarantee certificate.
Generally, it is relatively simple for developers to collectively handle first-hand housing mortgages.
2. Second-hand housing mortgage loan
If you buy a second-hand house, you need to mortgage the property you just bought and apply for a mortgage loan for the lender yourself.
Loan procedures need: identity certificate of the buyer and seller, household registration book, marriage certificate, house ownership certificate, land certificate or copy), sales contract, deed tax ticket, evaluation report, buyer's income certificate, and proof of no house.