Legal analysis: First of all, three conditions must be met when applying for a loan: 1. A natural person aged 18-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed); 2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule; 3. The borrower's actual age plus the loan application period shall not exceed 70 years old. If the lender has a stable job and income certificate, and pays the provident fund on time, it is easier to apply for provident fund loans or commercial loans. Just pay attention to your credit history and provide proof of income that is more than twice the monthly repayment amount. In fact, people who just turned 18 years old are mainly college students or freelancers. Without a stable job and income, it is difficult to provide proof of income and salary to the bank.

1, proof of income: Generally speaking, a house loan needs various materials to prove, such as proof of income, proof of marital status, proof of real estate and so on. Among them, the biggest headache for freelancers is income proof. Income proof is the most critical proof for banks to measure the economic strength of lenders, which will directly affect the mortgage amount, interest rate and other issues. If you are an individual businessman, you can issue a certificate to yourself with your official seal.

2. Wage flow: Wage flow refers to the flow of personal income tax paid by the company for employees, and the monthly salary is paid by the bank. There is the word "salary" on the running list, so it is not a "running salary" to go to the bank regularly to transfer money and save money as a salary. If individual professionals do not belong to the company, it is suggested to find a formal professional intermediary to help open the running water, or when buying a house for their children, parents or other relatives and friends can also transfer money from the company account to form a running water of wages.

Legal basis: Interim Measures for the Administration of Policy Discount on Personal Housing Loans by Central State Organs.

Article 1 These Measures are formulated to further support the housing consumption of employees of central state organs, expand the benefit range of housing provident fund loans and better serve the depositors of housing provident fund.

Article 2 The term "policy discount on individual housing loans of central state organs" as mentioned in these Measures means that the housing fund management center of central state organs (hereinafter referred to as the fund center) cooperates with relevant commercial banks, and the fund center gives subsidies to borrowers of commercial individual housing loans (hereinafter referred to as commercial loans) that meet the discount conditions of the fund center within the approved discount amount. According to the repayment methods of commercial loans, the discount methods are regular subsidies and one-time due subsidies. The term "discount amount" as mentioned in these Measures refers to the amount of discount granted to the borrower in the commercial loan approved by the capital center. The term "normal deposit of housing provident fund" as mentioned in these Measures refers to the timely and full deposit of housing provident fund in the capital center or the timely and full deposit of housing provident fund in accordance with the approved proportion, excluding the part of housing provident fund that has been paid back and the part of housing provident fund that has applied for discount in advance.