Urban residents with full capacity for civil conduct and nonlocal residents, overseas and foreign citizens with the right of abode in Dongguan must meet the following conditions when applying for loans:

1. Have legal residence status;

2. Have a stable occupation and income;

3. Have the ability to repay the loan principal and interest on schedule;

4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee;

5. There is a contract or agreement for the purchase of housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required;

7. Other conditions stipulated by the lending bank.

Two. Materials to be provided by the loan applicant

The borrower shall fill in the Application Form for Individual Housing Loan at the loan bank or the agency of the developer who signed the Cooperation Agreement with the Construction Bank, and provide the following materials:

A) My household registration book, ID card or other valid proof of residence;

B) proof of occupation and income;

C) Relevant certification materials such as house purchase contract or letter of intent;

D) proof that the down payment accounts for 30% of the house price;

E) Other materials required by the agency of the loan bank.