1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

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

4. There are assets that can be mortgaged or pledged recognized by the lending bank, or (and) there are guarantors who meet the prescribed conditions to provide guarantees for them.

5, there is a contract or agreement to buy a house;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of a house in the Construction Bank. If the applicant applies for a policy-based personal housing loan, he shall deposit the housing provident fund in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Second, what materials do you need for a bank loan to buy a house?

1, loan application form;

2. Subscription agreement or sales contract;

3. identification;

Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).

Third, what is the process of buying a house with a bank loan?

Step 1: The buyer and the seller prepare complete information to see a lawyer.

Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion;

Step 3: The bank reviews the evaluation report and the president signs the loan.

Step 4: Loan.

Note: Banks require buyers and sellers to provide different information, and the process details are also different. Please refer to the monthly loan handbook.

Four, the loan to buy a house to pay attention to the six major issues

1, the provident fund will not be used before the loan. If the borrower withdraws the balance of the provident fund savings to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, so your provident fund loan amount is also zero, which means that you cannot apply for a provident fund loan.

2. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made one year after the loan is paid off, and the amount you return should exceed the repayment amount of six months.

If you have difficulty in repaying the loan, don't forget to look for the banks around you. When your repayment ability drops during the loan period and you have difficulty in repaying the loan, don't stick to it yourself. ICBC customers can apply to ICBC for extending the loan term. After investigation, we will accept your application for loan extension, and the repayment of loan principal and interest is true.

4. Don't forget to inform when renting a house after the loan. When you rent the mortgaged house during the loan period, you must inform the lessee of the mortgage fact in writing.

Don't forget to cancel the mortgage after the loan is paid off. After you have paid off all the loan principal and interest, you can cancel the mortgage at the district/county real estate trading center where you used to live with the bank's loan settlement certificate and other real estate title certificates of the mortgaged property.

6. Don't lose the loan contract and IOUs. Applying for a loan, the loan contract signed by the bank with you and the loan note are all important legal documents. As the loan takes a long time, as a borrower, you should take good care of your contracts and IOUs.