1. The loan object is a natural person with full civil capacity;

2. Having permanent residence in cities and towns or valid residence status requires the borrower to have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. There are some differences among banks in terms of down payment requirements;

5. There are assets recognized by the lender as collateral or pledge, or units or individuals that meet the prescribed conditions and have compensatory ability as guarantors to repay the principal and interest of the loan and bear joint and several liabilities;

6. There is a purchase contract or agreement.

Commercial loan process:

1. First of all, the developer should apply for pre-purchase registration (and pay the deed tax in advance);

2. Preparation materials (ID card, household registration book, marriage certificate, household registration book, income certificate, sales contract);

3. Go to the bank to sign the mortgage approval materials (the first-hand house can generally be handled at the sales office);

4. After the bank is approved, the developer will handle the real estate license for you at that time (the first-hand houses of the real estate license are generally concentrated together).

In fact, all the formalities are handled by the developer, so basically you don't have to worry about it, just sign and pay the money.