First of all, you don't need to go through any formalities to buy a house. Just take your ID card and go there to buy it. But if you take out a loan, you will be in trouble. What you said above, the first suite certificate and the single certificate, are all needed for loans and have nothing to do with real estate developers. . . Ha ha. . As you said, it is enough to prepare the first suite and the single certificate. Another important thing is your salary, which is the note typed in the bank. I remember you need a monthly salary statement for half a year. This thing will affect your monthly repayment amount, and the bank will determine your repayment ability according to your salary. (Note that the bank only looks at the salary, that is, the fixed amount in the card every month. If your salary is low, but you have other income, and you want to pay more money every month, you have to find someone in the bank to do something. It depends on your own ability. Haha). He wants to make sure that the repayment amount is below your salary level. .

Then there is the issue of down payment. The lowest for the first suite is 30%, the lowest for the second suite and the lowest for the third suite 10 years, 20 years and 30 years. Needless to say, this is a national policy.

Finally, the credit card problem. Hehe, this is also troublesome. I don't know what you mean by default, but your past repayment records can be found in the bank. If you have a record of overdue repayment, it will affect your loan interest rate and discount. For example, some banks give you a 10% discount, and as a result, you have overdue records, more than three times a year. Well, the discount is gone. . If it is much overdue, well, the interest rate may also rise (that is, your interest rate is high). In the worst case, simply put, the bank won't give you a loan (refuse to approve). . Oh, don't be afraid, the overdue record of credit card will be cleared every year, so take care of yourself in the last year. .

Ah, by the way, you said provident fund. Normal provident fund loans are much less than commercial loans, but there is no way to stop. . Try to find a job and get a loan. . You can borrow money after paying the normal provident fund for more than one year.

Uh, tired. . I think the place is different, not too much difference. I hope I can help you.