Second-hand housing loans are determined according to the borrower's personality, occupation, education level, repayment ability, liquidity of purchased housing (including mortgaged housing) and other factors. Specifically, there are several points:

(1) Male's actual age plus loan period is less than 65 years old, female's actual age plus loan period is less than 60 years old, China nationality, unlimited household registration, no criminal or non-performing loan record, and stable income;

(2)/kloc-permanent residence of urban residents aged 0/8 with full capacity for civil conduct or legal and valid identity documents;

(3) If there is a second-hand house sales contract, pay a down payment; (4) have a stable occupation and legal income, good credit, and the ability to repay the principal and interest on schedule;

(5) When applying for a loan, the purchaser has its own funds not less than 20% of the purchase price;

(6) When the borrower agrees to use the purchased house and its rights and interests as collateral, or the borrower fails to provide the mortgaged (pledged) things in full, a unit or individual recognized by the lender and meeting the specified conditions and having sufficient compensatory capacity will serve as the guarantor to repay the principal and interest of the loan and bear joint liability;

(7) The purchased second-hand houses have clear property rights and meet the conditions for entering the real estate market circulation stipulated by Jinan;

(8) The purchased house is not within the scope of the demolition announcement;

(9) The price of the purchased house basically conforms to the appraisal price of the lender or its designated real estate appraisal agency;

(10) Other conditions required by the lending bank;