as long as you are an adult, being young is not a problem. First-hand housing mortgage loan application conditions have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; Have a good credit record and willingness to repay; Have a stable source of income and the ability to repay the loan principal and interest in full and on time; Sales (pre-sale) contract or letter of intent for commercial housing with purchased housing; Have the ability to pay the down payment of the purchased house; Open a personal settlement account in a bank; There is a valid guarantee recognized by the lender; First-hand housing mortgage loan application materials and identity documents; Proof of marital status; Proof of repayment ability and income; Proof that the down payment for house purchase has been paid; A legally binding commercial housing sales contract signed with a real estate developer; If there are * * * borrowers or * * owners, * * * borrowers or * * owners need to provide relevant identity documents and commitments to agree to mortgage, and if there are * * * borrowers, they need to provide proof of repayment ability; Other information required by the bank. First-hand housing mortgage loan amount: Generally, the maximum loan amount of first-hand housing loan is 8% of the property value, which requires the applicant to have a stable income source and a good job to ensure that he can repay the principal and interest on time. The maximum loan period of mortgage is 3 years, and the sum of the applicant's age and loan period is no more than 7 years.

If you need a loan, I recommend you to go to Easy Loan China, which is a formal loan intermediary. You can complete the online loan application in three minutes, and you will not be charged any fees if you fail. First-hand housing mortgage loan-refers to the loan issued by loanchina United cooperative bank to the borrower, which is used for the borrower to purchase the first transaction housing (that is, the housing developed and built by real estate developers or other qualified developers and sold to individuals) and use the housing as collateral, and then repay it monthly. Loan application amount: 2,-2,, yuan. Application address:/activity/product/firstloan-fudan61298.html.