1. Applicants must be between 18 and 65 years old, have the ability to bear legal responsibilities, and have legal identity certificates or permanent residence in cities and towns;

2. The applicant has good credit information, a stable economic income, a monthly income of 2.5 times the monthly payment, and the ability to repay the loan principal and interest;

3. The applicant has a legal purchase contract or other certification agreement and deposit receipt;

4. The applicant has 30% of the self-raised funds for the full house purchase and can pay the down payment for the house purchase;

5. If the applicant is unmarried, provide proof of unmarried; Married to provide information on both husband and wife; Divorce provides divorce certificate.

What are the consequences of not repaying the loan?

The consequences of not repaying the loan are as follows:

1, which affects the personal credit of the borrower;

2. If the borrower fails to repay the loan on time, the bank will impose a penalty interest on the borrower, resulting in great repayment pressure on the borrower;

When you are in loans overdue for one month, the bank will send you a message. If it is overdue for more than three months, the bank will call or collect it at home;

4. If loans overdue is over six months, the bank will sue the borrower to the court, and the court summons will be sent to the borrower's home. On the day of the court session, regardless of whether the borrower appears in court, the court will freeze the collateral originally mortgaged by the borrower to the bank and then auction it. The proceeds from the collateral auction will be used for repayment.

Legal basis: Article 678 of the Civil Code of People's Republic of China (PRC).

The borrower may apply to the lender for extension before the repayment period expires; If the lender agrees, it can be extended.

Article 674

The borrower shall pay interest at the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.