(1) 18 years old permanent residence of urban residents with full capacity for civil conduct or legal and valid proof of residence;

(2) pay the down payment;

(3) have a stable legal income and the ability to repay interest;

(4) When applying for loans, property buyers should have free funds of not less than 30% of the purchase price.

(5) The borrower agrees to use the purchased house and its rights and interests as collateral;

(6) The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the Beijing Municipal Government;

(7) The purchased house is not within the scope of the demolition announcement.

(8) Other conditions required by the lending bank.

Common personal data of Everbright Bank loan, such as: identity certificate, work certificate, residence certificate, etc. Enterprise application materials, such as business license, financial statements, loan cards, etc. Financial proof of mortgage loans such as real estate and automobiles;