1. The borrower is at least 18 years old and has full capacity for civil conduct;

2. The borrower has a house purchase contract and a down payment receipt;

3. The borrower has a stable income and work, and can provide proof of work and income;

4. Have a good credit record;

5, can provide a certain guarantee, can use the purchased house as collateral;

6. If you want to apply for a provident fund housing loan, you also need the borrower to pay the provident fund on time in the local area, usually for more than half a year.

If the borrower meets the loan conditions, he can apply for commercial mortgage in the bank or apply for provident fund loan in the local provident fund center.