1. China citizen, aged 18-65 years old, wage earners who have worked continuously in their current units for more than six months and have been employed for more than one year.

2. There are no minors under the age of 18 and no adults over the age of 70 among the owners of the mortgaged property.

3. If the house property is mortgaged for the second time, the first mortgagee of the house must be the bank.

4. The borrower needs to own one or more sets of ownership houses (at least one set of ownership houses in this city).