to apply for a housing loan, you must meet the local housing purchase policy, and the age plus the loan period should not exceed 7. At the same time, you must provide proof of identity, proof of use, proof of income, etc., and contact the loan handling bank for consultation. If you are applying for a first-hand property loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If there is, you can directly contact the resident staff of the real estate and hand over the information to the staff. If not, you generally need to contact the local personal loan department to provide personal information and the purchased real estate to apply. The following application materials are generally required to apply for a first-hand building loan: 1. Identification materials: ID card, military officer's card, etc.; 2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.; 3. Proof of use: proof of original property right of the purchased property, purchase contract, purchase contract and down payment receipt confirmed by the seller (if the transaction funds are supervised, the proof of the supervision funds entering the account is enough); 4. Proof of repayment ability. If you need to provide other information for this loan, the handling bank will inform you in time, and you can also confirm this information in detail through the handling bank when applying for the loan.