What is the second trial in the approval of second-hand mortgage of China Bank?

The second trial is an audit. If there is no problem in the audit, you can directly lend money. \x0d\ Personal housing mortgage loan conditions: \x0d\ 1, with urban permanent residence or valid residence status; \x0d\2。 Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; \x0d\3。 Self-raised funds accounting for more than 20% of the total price of the purchased house are guaranteed to be used for the down payment of the purchased house; \x0d\4。 Taking assets recognized by banks as collateral or pledge, or taking units or individuals with sufficient compensatory capacity as guarantors to repay the principal and interest of loans and bear joint and several liabilities; \x0d\5。 There is a purchase contract or agreement, and the price of the purchased house basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank; \x0d\6。 Other conditions stipulated by the bank. \x0d\ Materials required to apply for mortgage: \x0d\ 1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book \x0d\2. Marriage certificate/divorce certificate or court verdict/single certificate \x0d\3. Proof of income (format stipulated by the bank) \x0d\4. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.