Easy to handle, borrowers need good qualifications and can't have bad records.

Conditions for buying a house with bank loan:

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income and a good credit report;

3, have the ability to repay the loan principal and interest on schedule;

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of a house in the Construction Bank. If the applicant applies for a policy-based personal housing loan, he shall deposit the housing provident fund in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.