(1) Having full capacity for civil conduct and legal and valid identity documents;

(2) Having the ability to repay the principal and interest of the loan;

(3) Its credit status is good;

(four) has signed a legal and effective contract for the sale of houses;

(five) there is no less than the minimum required proportion of the first payment certificate;

In principle, the purchase of housing needs mortgage guarantee;

(seven) other conditions stipulated by the Agricultural Bank. Personal commercial housing loan business must meet the following conditions before it can be handled:

1. The borrower and his spouse own one or more self-owned commercial houses or self-owned public houses;

2. Personal credit rating is above Grade A (inclusive);