1) A natural person with full capacity for civil conduct;

2) Have a permanent residence or residence permit in the town;

3) deposit the housing accumulation fund in this city normally and continuously one year before applying for the loan;

4) At least 30% down payment;

5) Have a stable economic income and the ability to repay loans;

6) There is no outstanding debt with a large amount that may affect the loan repayment ability.

You can go to my "spare room" for details.