To apply for personal housing consumption loan in our bank, the borrower must meet the following conditions: 1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (inclusive). 2. Have legal and valid identity certificate and marital status certificate, have a fixed residence at the lender, and have a household registration certificate (or valid residence certificate) at the lender. 3. The customer and loan scores assessed by the Bank's retail internal rating system are in compliance with relevant regulations. 4. Have a good credit record and willingness to repay, and have no bad record in lending to our bank and other financial institutions. 5 have a stable source of income and the ability to repay the loan principal and interest in full and on time. 6. Can provide legal, effective, reliable and sufficient guarantee recognized by the bank, or have personal credit loan conditions. 7. There are clear, legal and compliant loan purposes. 8. Open a personal settlement account with our bank. 9. Other conditions stipulated by the bank. You can consult the loan bank in detail.