Conditions for individuals to buy a house:

(1) A natural person who has reached the age of 18 and has full capacity for civil conduct.

(2) When the loan expires, the age of men shall not exceed 60, and the age of women shall not exceed 55.

(3) Have a stable and legal occupation and income source, and be able to repay the principal and interest on schedule.

Information needed by individuals to buy a house:

(1) Household registration book, ID card and photocopy of the borrower's husband and wife (co-owner).

(2) the purchase contract or agreement signed with the sales unit. ?

(3) the position and income certificate issued by the borrower's unit. Private enterprises mainly provide business income and tax payment certificates, business licenses and photocopies issued by relevant departments that can show their debt repayment.

(4) The borrower's down payment deposit certificate and its copy.

(5) Personal housing loan application form (format provided by the bank).