Housing loan application conditions:

1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old;

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank;

5. Self-raised funds of more than 30% of the total price of purchased houses (20% for self-occupied houses with a construction area of less than 90 square meters), and guaranteed to be used to pay the down payment of purchased houses;

6. Having assets mortgaged or pledged by the lending bank, or (and) having legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.