Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, and the loan balance is less than 60% of the value of the mortgaged house, and the house used as mortgage has been obtained.

Property ownership certificate, the age of the house is within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.