A natural person who has reached the age of 18-60 and has full capacity for civil conduct; Have a stable occupation and income, repayment ability and good credit record; Self-raised house payment (down payment) shall not be less than 20% of the house payment. Anyone who meets the above conditions can apply for personal second-hand housing loans in China Postal Savings Bank.

Personal second-hand housing loan application materials:

1. The purchaser provides: ID card, proof of marital status, household registration book, proof of occupation and income, house sales contract, down payment certificate, personal settlement account (passbook) of the Postal Savings Office;

2. The seller shall provide: ID card, proof of marital status, household registration book, house title certificate and personal settlement account (passbook) of postal savings office;

3. If other natural persons (or legal persons) provide guarantees for the purchaser, the guarantor shall be audited (or recognized) by the bank and provide relevant certification materials as required by the bank;

4. Other materials that the bank requires the loan applicant to supplement after examination.