The conditions of mixed mortgage loans are as follows:

1. The applicant has legal and valid identification;

2. The borrower pays the housing provident fund in full and on time;

3. The borrower has a stable and legal job and income, and has the ability and willingness to repay the arrears;

4. The applicant has legal and effective purchase and overhaul contracts and agreements, as well as other supporting documents required by the loan bank;

5. The applicant has self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and can prove that the loan is only used for the down payment of the purchased (overhauled) house;

6. The applicant has an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as a guarantor;

7. The applicant meets the loan conditions stipulated by the local provident fund management department;

8. Other conditions stipulated by the lending bank.