When a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Loan terms:

1. Male: age 18-65 years old, female: Nianlin 18-60 years old, with full capacity for civil conduct.

2. Pay the down payment.

3. Have a stable legal income and the ability to repay interest.

4. The borrower agrees to use the purchased house and its rights and interests as collateral.

5. The purchased second-hand house has clear property rights, which meets the requirements for entering the real estate market stipulated by the Beijing Municipal Government.

6. The purchased house is not within the scope of the demolition announcement.

7. Other conditions required by the lending bank.