1) The borrower has full capacity for civil conduct;

2) Have a formal urban hukou or valid residence status in this city;

(3) Having stable economic income, good credit and the ability to repay the principal and interest of loans;

4) Housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;

5) Can provide a valid contract or agreement for purchasing owner-occupied housing;

6) The borrower and the purchaser must be consistent in the house purchase contract, and the person (except the spouse) who has the property right to purchase * * * must issue a written commitment to agree to the house mortgage;

7) Own funds not less than 30% of the value of owner-occupied housing (more than 40% of second-hand housing);

8) The borrower agrees to handle housing mortgage loan and insurance;

9) For the purchase of commercial housing, the developer shall provide phased guarantee and report relevant credit information;

10) The borrower agrees to open a personal account with the loan undertaking bank and agrees to be undertaken by the loan.