Mortgage borrowers must meet the following conditions at the same time: they have legal status. Have a stable economic income, good credit and the ability to repay the principal and interest of loans. There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank. Have self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guarantee to pay the down payment of the purchased (overhauled) house. There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors. Other conditions stipulated by the lending bank.