It has legal status;

stable income, good credit and the ability to repay the principal and interest of the loan;

there are legal and effective contracts and agreements for housing purchase and overhaul, and other supporting documents required by the lending bank;

having self-raised funds of more than 2% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

there are assets recognized by the lending bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

other conditions stipulated by the lending bank.