The loan is directly resold by the current mortgagor to the next mortgagor. Conditions to be met:

China residents aged 18-65 with permanent residence or valid residence status in local towns;

Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

Self-raised funds of more than 20% of the total price of the house purchased, and guaranteed to be used to pay the down payment of the house purchased;

Taking assets recognized by banks as collateral or pledge, or taking units or individuals with sufficient compensatory capacity as guarantors to repay the principal and interest of loans and bear joint and several liabilities;

There is a purchase contract or agreement, and the price of the purchased house basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank;

Other conditions stipulated by the bank.