when buying a house, it can be divided into one-time full payment and mortgage payment. If a one-time payment is made, there are no conditions for the buyers. If it is a mortgage loan, the buyers need to meet the following conditions:
1. Stable economic income, good credit record, ability to repay the principal and interest of the loan, and provide authentic income proof documents.
2. The sum of the number of years of applying for a loan plus the current age shall not exceed 6.
3. If the mortgaged property is owned by * * *, one of them must be identified as the main applicant for the loan, and the main applicant must meet the above conditions.
4. The sum of the service life of the mortgaged property and the mortgage life is generally not more than 3 years.
5. The borrower and the seller sign the Real Estate Sales Contract and pay the down payment of not less than 3% of the house price. Other conditions stipulated by the bank.