There is no risk in entrusting someone else to apply for a house loan during the epidemic.

Conditions:

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 55 years old (inclusive);

2. Have Legal and valid proof of identity (resident ID card, household register or other valid proof of identity) and proof of marital status;

3. Have good information records and willingness to repay;

4. Have a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

5. Have a commercial housing sales (pre-)sale contract or letter of intent for the purchased housing;

6 .Have the ability to pay the first installment of the house purchased; if the newly purchased house is used as the maximum mortgage, it must have a legal and valid house purchase contract, the house must be less than 10 years old, and have or have paid no less than the full amount of the house purchased. A down payment of RMB 30 of the price; if a housing mortgage loan has been purchased and applied for, the original housing mortgage loan has been repaid for more than one year, the loan balance is less than RMB 60 of the value of the mortgaged house, and the house used as mortgage has obtained a house ownership certificate, and the house ownership certificate has been obtained. Within 10 years of age;