The conditions required for real estate development loans are: 1, with a business license as an enterprise legal person; 2 to obtain the land use right of the loan project, and the termination time of the land use right is longer than the loan termination time; 3. Obtain the planned investment permit, construction permit, commencement permit and export housing permit for the loan project; 4. The purpose of loan project declaration is consistent with its function; 5. The project budget and construction plan of the loan project comply with the relevant provisions of the state and local governments.

Legal objectivity:

Measures for the administration of individual housing loans

Article 5

The borrower shall meet the following conditions:

1. Have permanent residence or valid residence status in cities and towns;

Two, a stable occupation and income, good credit, the ability to repay the loan principal and interest;

Three, with the purchase of housing contracts or agreements;

Four, no housing subsidies to not less than 30% of the total price of the purchased housing as the down payment;

If there is a housing subsidy, 30% of the personal commitment is the down payment for the purchase;

Five, there are assets recognized by the lender as collateral or pledge, or units or individuals with sufficient compensation capacity as guarantors;

6. Other conditions stipulated by the lender.