1. He is over 18 years old (inclusive) and has full capacity for civil conduct.

2. Have a permanent residence or valid residence certificate in the local area, such as a temporary residence permit.

3. Personal credit is good, and there are no bad records or serious negative information in the credit report (the bank will mainly review the credit information of customers in the past two years).

4 have a stable and legitimate source of economic income and the ability to repay the principal and interest of the loan on time.

5. The houses purchased are non-relocated houses, resettlement houses, public transport houses, houses delivered by enterprises, houses with small property rights and other houses with incomplete property rights certificates.

If customers intend to apply for provident fund loans, they must also meet the following requirements:

1. The housing accumulation fund has been paid in full and on time for more than six months;

2. The provident fund account is currently in a normal deposit state;

3. No provident fund loan has been made or the loan has been settled.

In addition, customers also need to meet the local government's purchase regulations. The regulations in different regions will be different. For example, Beijing stipulates that non-Beijing families who have no housing in Beijing and have paid social security or individual taxes in Beijing for five consecutive years can buy 1 house.

Is the first home loan easy to approve?

The first home loan is easy to pass. The first home loan refers to the loan when buying the first house. The so-called first suite needs to meet three conditions at the same time, that is, the buyer is over 18 years old, the house purchased is an ordinary house of 90 square meters or less, and there is no house purchased alone or with others under the name of the buyer. However, housing purchased with parents, purchased in accordance with the housing reform policy and obtained through inheritance or demolition and resettlement are excluded. The People's Bank of China stipulates that urban residents can enjoy preferential mortgage interest rates when purchasing their first home.

The first home loan refers to the loan issued by the bank to the borrower to purchase the first ordinary house for personal use, and the borrower must provide guarantee when applying for personal housing loan. The Real Estate Bureau implements the individual purchase standard, and the New Real Estate Policy of the Ministry of Finance stipulates that the deed tax rate will be temporarily adjusted to 1% after signing a purchase contract for the first time and purchasing an ordinary house with an area of 90 square meters or less. One of the three preconditions of this deed tax concession is that the commercial house that enjoys the concession must be the owner's first house.