(1) has a permanent residence in this city or a valid residence certificate;

(2) The housing accumulation fund has been continuously paid for more than half a year before the application, and the accumulated time for paying the accumulation fund is not less than 2 years;

(3) Self-raised funds account for more than 30% of the total house price (including 30%);

(4) Have a stable occupation and a stable source of income, and have the ability to repay the loan principal and interest;

(5) signing a house purchase contract or agreement; ?

(6) meeting other conditions agreed by the trustor and the trustee.