Mortgage loan borrowers must meet the following conditions:

Have legal status;

Have stable economic income, good credit, and be able to repay the principal and interest of the loan Ability;

Have legal and valid contracts and agreements for purchasing and overhauling housing, as well as other supporting documents required by the loan bank;

Having purchased (overhauling) housing with a total price of more than RMB 20 Self-raised funds, and guaranteed to be used to pay the down payment of the purchased (overhauled) house;

Have assets approved by the lending bank for mortgage or pledge, or (and) legal persons and other persons with sufficient repayment capacity Economic organizations or natural persons serve as guarantors;

Other conditions specified by the lending bank.