The conditions for mortgage loan are as follows:

1. A natural person with the age of 18-65.

2. Have a valid ID card.

3. Good credit information and no bad records.

4. Have a stable job and a stable income.

5. Commercial housing sales contract or letter of intent for purchased housing.

6. Have the ability to pay the down payment of the purchased house.

7. Open a personal settlement account in a bank with effective guarantee.

8. Other conditions stipulated by the bank.

Housing mortgage loan refers to a loan that an individual pays a certain proportion of down payment when purchasing a house with property right certificate and a house or commercial house that can be traded in the market, and the rest is applied to a cooperative institution with the house to be purchased as collateral.