(2) have a stable economic income and the ability to repay the principal and interest of the loan. There are legal and effective contracts and agreements for the purchase and overhaul of housing and other supporting documents required by the loan enterprise bank. Self-raised funds for more than 20% of the house price, and ensure that this money is used to pay the down payment of the purchased house.
(3) There is something mortgaged or pledged with the approval of the loan enterprise bank, or a legal person, other economic institution or natural person with sufficient ability to repay the loan as a guarantor, which meets the loan conditions stipulated by the local provident fund management.
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