The loan for officers to buy a house is determined according to the ratio of repayment to income, and the monthly payment is generally required not to exceed 50% of income. Servicemen can only apply for a loan to buy a house if they produce income certificates issued by units at or above the regimental level.

legal ground

According to Article 5 of the Measures for the Administration of Urban Real Estate Mortgage, real estate mortgage should follow the principles of voluntariness, mutual benefit, fairness, honesty and credit. Real estate mortgage set according to law is protected by state laws.