Legal analysis: 1. Those who have legal residence status and apply for policy personal housing loans should have local permanent residence, stable occupation and income, the ability to repay the principal and interest of the loan on schedule, assets recognized by the loan bank for mortgage or pledge, or (and) a guarantor who meets the prescribed conditions. 5, there is a purchase contract or agreement, when applying for a loan, there is not less than 30% of the funds needed for the purchase in the Construction Bank. If you apply for a policy-based personal housing loan, you should deposit the housing provident fund in the Construction Bank according to regulations.

Legal basis: Interim Measures for Personal Loans

Article 11 An individual 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 materials that can prove that it meets the loan conditions.