2. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;
4. Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;
Having the assets mortgaged or pledged by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor;
Other conditions stipulated by the lending bank.