1, with legal residence status;

2. Have a stable occupation and income;

3. Have the ability to repay the loan principal and interest on schedule;

4. There are assets that can be mortgaged or pledged as recognized by the lending bank, or (and) there are guarantors who meet the prescribed conditions to provide guarantees for them;

5, there is a contract or agreement to buy a house;

6. When applying for a loan, there is a deposit of not less than 30% of the funds needed for buying a house in the bank. If the advance payment for house purchase has been paid to the selling unit, the original and photocopy of the payment receipt shall be provided.