Legal analysis: individual housing loan application conditions: 1, a natural person with full capacity for civil conduct at the age of 18, holding a valid resident ID card, household registration book or other valid identification; 3. Secondly, he is qualified to buy a house in his city, and he has a stable residence and a stable job in the place where he buys a house. At present, he must not exceed two housing loans (including provident fund and operating loans).

Legal basis: Interim Measures for Personal Loans

Article 11 An individual loan application shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Article 12 A lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.