(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 account for more than 30% of the total price of the purchased house, and are guaranteed to be used for the down payment of the purchased house.
(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.
Legal basis: the Supreme People's Court's opinions on people's courts' handling of loan cases.
One is to accept the loan disputes between citizens, between citizens and legal persons, and between citizens and other organizations as loan cases.
Two, because of the loan of foreign currency, Taiwan dollars and treasury bills and other valuable disputes to the court, should be accepted as a loan case.
Three, for the loan relationship is clear, and the creditor applies for a payment order, the people's court shall examine and accept it in accordance with the relevant provisions of the Civil Procedure Law on supervision procedures.