Have legal residence status;

Have a stable occupation and income;

Having the ability to repay the loan principal and interest on schedule;

There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions as their guarantees;

There is a contract or agreement for the purchase of housing;

When applying for a loan, there is no less than 30% deposit in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required;

Other conditions stipulated by the lending bank.