I. The Borrower requires:

1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Second, the information to be provided:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. Original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 20% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number 1 copy.

Three. Information to be provided by the borrower:

1. Foreigners need husband and wife ID cards, household registration books/temporary residence permits and household registration books.

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3 proof of income (according to the format stipulated by the bank).

4. Copy of the business license of the unit (with official seal).

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

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.