Of course.

The borrower must meet the following conditions:

(1) has legal identity.

(2) having stable economic income, good credit and the ability to repay the principal and interest of the loan.

(3) There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank.

(4) Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

(5) There is an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor.

(6) Other conditions stipulated by the lending bank.

Extended data:

The maximum loan amount is 80% of the total price or evaluation value (whichever is lower) of the house purchased (built or overhauled); The loan period is generally not more than 30 years. The loan interest rate is subject to the relevant interest rate policies of the People's Bank of China and China Banking Regulatory Commission. Repayment method

There are two repayment methods for housing loans with a loan term of more than one year: average capital repayment method and matching principal and interest repayment method. Matching principal and interest repayment method is the default repayment method of banks, which means that borrowers repay loan principal and interest with the same amount every month, also known as matching principal and interest repayment method.

Its characteristic is that the principal and interest of monthly repayment are the same. Although this repayment method is easy to budget and the initial repayment pressure is reduced, the interest of initial repayment accounts for most of the monthly repayment.

In repayment, the proportion of principal gradually increases and the proportion of interest gradually decreases, thus achieving a relative balance. The interest paid by this repayment method is high, but the pressure of prepayment is not great. This repayment method is suitable for ordinary wage earners.

Calculation method of equal principal and interest repayment:

[loan principal × monthly interest rate ×( 1 monthly interest rate) repayment months ]=[( 1 monthly interest rate) repayment months]

Matching principal repayment is also one of our common repayment methods. Average capital repayment method is that the borrower repays the principal in equal amount every month, and the loan interest decreases month by month with the principal, and the repayment amount also decreases month by month, so it is also called diminishing method.

Its characteristic is to repay the principal every month and calculate the interest on a daily basis according to the loan principal amount. The early repayment amount is large, and the monthly repayment amount is gradually reduced. The interest paid by this repayment method is low, but the pressure of prepayment is great. Therefore, this repayment method is suitable for families with better economic income.

Calculation formula of equal principal repayment:

Monthly repayment amount = (loan principal/repayment months) (principal-accumulated amount of repaid principal) × monthly interest rate.