Credit cards cannot be used for bank mortgage loans. The use of credit cards can reflect the borrower’s credit information. The basic condition for a bank loan is that the borrower has a stable source of repayment and good credit information. Mortgage loans require collateral with clear title and sufficient value;

Documents required to apply for a bank loan:

1. Valid identity document;

2. Permanent household registration Certificate or valid proof of residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank statement;

5. Proof of income or personal assets Status certificate;

6. Credit report;

7. Loan usage plan or statement;

8. Other information required by the bank.

Required conditions for bank loans:

(1) Applicants who are over 18 years old and have full capacity for civil conduct, urban residents’ permanent residence or legal and valid resident identity certificate, bank loan requirements The age of the borrower is generally between 18-60 years old;

(2) Pay the first installment of the house purchase;

(3) Have stable legal income and the ability to repay the interest. ;

(4) When applying for a loan, the home buyer shall provide no less than 30% of the purchase price with free funds;

(5) The borrower agrees to use the purchased house and its equity As collateral;

(6) The property rights of the purchased second-hand houses are clear and meet the conditions stipulated by the Beijing Municipal Government for entering the real estate market;

(7) The purchased houses are not in the Within the scope of the demolition announcement.

(8) Other conditions required by the lending bank.

The procedure for unsecured loans is generally divided into three steps:

(1) The customer submits basic information, including work unit and contact number.

(2) The lending bank or company checks the customer's credit information, including whether the customer's credit rating has any illegal records. For self-employed individuals and small and medium-sized enterprises, it is also necessary to investigate their business operations.

(3) The staff of the lending unit signs a contract with the customer and implements the loan in the shortest time.