1. Have legal and valid identity documents; China citizens with fixed residence, permanent residence or valid residence certificate at the place where the loan bank is located, under the age of 65 (inclusive) and with full capacity for civil conduct;
2. The deposit status is normal, the provident fund has been paid in full for more than 6 months (inclusive) and the credit is good;
3. Have a stable income and the ability to repay loans;
4. Have a legal and effective purchase contract or agreement or the "Property Ownership Certificate" issued by the real estate administrative department;
5. For the purchase of housing, the down payment of not less than 30% of the total price of the purchased housing has been paid;
6 construction, renovation and overhaul of houses, can pay 30% of the total cost of construction, renovation and overhaul of houses;
7. The construction and renovation of houses shall be based on the approval documents of the planning and land management departments;
8 overhaul housing, approved by the planning and management department;
9. Being able to provide effective guarantee recognized by the management center;
10. Other conditions stipulated by relevant laws, regulations and policies.