1, 18 years old permanent residence of urban residents with full capacity for civil conduct or legal and valid proof of residence. 2. When there is a stable and legal income, it has the ability to repay interest.

3. The relevant borrower agrees to use the purchased house and its rights and interests as collateral. 4. The property right of the second-hand house to be purchased is clear and meets the conditions for entering the real estate market. 5. The purchased house is not within the scope of the demolition announcement.

Second, the second-hand housing loan process

Relevant property buyers need to provide: ID card, household registration book, marriage certificate or divorce certificate+divorce agreement or court judgment (only for married or divorced people), income certificate, bank flow within 6 months, loan bank savings card, and submit the purchase contract at the same time, that is, the stock house sales contract. There are three points to note here:

(1) General banks will check the properties under the names of minor children. If the purchaser's household registration is in Beijing, and his minor children have 1 apartment, and the purchaser has 1 apartment, the bank will not grant the loan if it exceeds the purchase restriction.

(2) Its banks also have clear requirements for the income of borrowers. If there are other loans under the borrower's name, the monthly income requirements are as follows: the monthly income is the original loan repayment+the current loan repayment) X2.

(3) If the purchaser has divorced, the house address in the divorce agreement is inconsistent with the actual loan house address, and it is necessary to issue a certificate to the property where the community is located to prove that it is the same house address.

Legal basis: People's Republic of China (PRC) City Real Estate Management Law.

Article 36 When transferring or mortgaging real estate, the parties concerned shall register the ownership in accordance with the provisions of Chapter V of this Law.

Article 62 When a real estate is mortgaged, it shall be registered with the department designated by the local people's government at or above the county level. Where the land use right and house ownership are obtained due to the disposal of mortgaged real estate, the transfer registration shall be handled in accordance with the provisions of this chapter.