Legal analysis: ordinary housing sales contracts, as buyers, can be loaned, usually to banks, which is also commonly known as mortgage loans. Choosing a scientific loan method is the key for buyers to meet the rigid demand without affecting the quality of life. General property buyers will choose a combination of provident fund loans and commercial loans, also known as portfolio loans.

Legal basis: Article 5 of the Measures for the Administration of Individual Housing Loans requires borrowers to meet the following conditions at the same time: 1. Have permanent residence in cities and towns or valid residence status; Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest; Three, with the purchase of housing contracts or agreements; Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment; If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase; Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors; 6. Other conditions stipulated by the lender.