The conditions for buying a house with a loan are: 1 and1a natural person aged 8-60 (Hong Kong, Macao and Taiwan and foreigners are also allowed). 2, stable occupation, stable income, and the ability to repay the loan principal and interest on schedule. 3. The actual age plus time limit should not exceed 70 years old. 4. There are legal and effective contracts for the purchase, construction and overhaul of houses. 5. Self-raised funds exceeding 30% of the total house price. 6. The guarantor is a legal person with sufficient compensation capacity.

Legal objectivity:

Article 7 of the Regulations on the Administration of Urban Real Estate Transfer shall be handled in accordance with the following procedures: (1) The parties to the real estate transfer shall sign a written transfer contract; (two) the parties to the transfer of real estate shall, within 90 days after the signing of the real estate transfer contract, apply to the real estate management department where the real estate is located and declare the transaction price with the certificate of real estate ownership, the legal certificate of the parties, the transfer contract and other relevant documents; (three) the real estate management department to review the relevant documents provided, and make a written reply whether to accept the application within 7 days, and if it fails to make a written reply within 7 days, it is deemed to agree to accept it; (four) the real estate management department to verify the declared transaction price, and according to the needs of the transfer of real estate field survey and evaluation; (five) the parties to the transfer of real estate shall pay the relevant taxes and fees in accordance with the provisions; (six) the real estate management department shall go through the formalities of housing ownership registration and issue the certificate of real estate ownership.