Legal analysis: There is no corresponding provision in the Measures for the Administration of Individual Housing Loans: Article 5 The borrower must meet the following conditions at the same time: 1. With permanent residence in cities and towns or valid residence status, stable occupation and income, good credit, the ability to repay the principal and interest of loans, a contract or agreement to purchase housing, and no housing subsidy, 30% of the total price of the purchased housing will be used as the down payment.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.