1, with legal status;

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

3. There is a legal and effective purchase contract;

4. 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, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

5. If a mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years;

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

7. Other conditions stipulated by the lending bank.

In order to inform the buyer of the result:

It is fraudulent for the developer to mortgage the sold house to a third party without telling the buyer, and this sales contract is invalid. Article 8 of the Interpretation of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Disputes over Commercial Housing Sales Contracts stipulates that:

After the conclusion of the commercial housing sales contract, if the seller mortgages the house to a third person without informing the buyer, and the purpose of the commercial housing sales contract cannot be achieved, the buyer who cannot obtain the house may request to terminate the contract, return the paid house purchase price and interest, and compensate for the losses, or request the seller to bear the compensation liability not exceeding twice the paid house purchase price.

Reference to the above content: Baidu Encyclopedia-the Supreme People's Court Applicable Law on the Trial of Disputes over Commercial Housing Sales Contracts