(a) the borrower has a permanent residence or temporary residence permit in Nanjing, and has full capacity for civil conduct.

(two) when applying for provident fund loans, the housing provident fund has been paid in full for more than six months (including this number, the same below).

(3) Having a legal and valid housing contract or a certificate that the relevant department has approved the construction or repair of the house.

(4) The down payment amount of the commercial house shall not be less than 30% of the total house price; Second-hand housing down payment is not less than 40% of the total house price; The self-raised funds for building and repairing houses shall not be less than 50% of the total amount of building and repairing houses.

(five) the borrower has a stable economic income and the ability to repay the principal and interest of the loan; Other debts that do not affect the repayment ability of loans; Good credit.