How to combine loans when buying a house in Changsha, and what is the specific process?

First of all, see if you are a first-hand house or a second-hand house. Prepare the developer's certificate of the first-hand house and go to BOC and CCB to handle it.

If you want a second-hand house, you should prepare a copy of the real estate license, an ID card and a bank debit card, and go to China Bank and Bank of Communications to do it ~

Portfolio loans can be handled by all banks in China, and nothing is impossible. Property consultants are generally foreigners who can't find a job fantasy to make a fortune, and they use deception without professional knowledge. The only trouble you may encounter in this situation is that the loan amount is too small, and the loan has nothing to do with the developer and your so-called property consultant. You can consider handling more commercial loans in Bank of Communications, and then pay back what you can in advance after the loan is approved, so that your loan will be simpler.