Legal analysis: the conditions for buying a house with bank loans mainly include: China citizens with full civil capacity; The purpose of the loan is clear and legal; Have a proper occupation and a stable income; Good credit record and willingness to repay, no bad credit record; Can provide legal, effective and reliable guarantee.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.

Personal loan application shall meet the following conditions:

(a) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;