1, with legal status, must provide 18 years of age, with full capacity for civil conduct and legal and valid identification.

2, a stable economic income, good credit, the ability to repay the loan principal and interest;

3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

4, have purchased (overhaul) housing more than 20% of the total self-raised funds, and ensure that used to pay the first payment of the purchased (overhaul) housing;

5. Mortgaging or pledging assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors;

6. Other conditions stipulated by the lending bank.