legal status;

It has a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

there is a legal and effective purchase contract;

if the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the house age is less than 1 years, and a down payment of not less than 3% of the total price of the purchased house has been prepared or paid;

if a house mortgage loan has been purchased, the original house mortgage loan has been repaid for more than one year, the loan balance is less than 6% of the mortgaged house value, and the mortgaged house has obtained the house ownership certificate, and the house age is less than 1 years;

it can provide effective guarantee recognized by the lending bank;

other conditions stipulated by the lending bank.