Legal analysis: 1, with urban permanent residence or valid residence status; 2 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan; 3. There is a purchase contract or agreement; 4. Be able to pay a deposit of not less than 50% of the national defense evaluation price after full purchase;

5. Agree to use the purchased house as collateral. 6. Other conditions stipulated by the lending bank.

Legal basis: Article 11 of the Interim Measures for Personal Loans.

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12

The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.

Article 13

After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.