1. Purchase, build and sell houses according to law.

2. The purchaser has full capacity for civil conduct.

3. The age of the buyer is between 18 and 65 years old.

4. The buyer can provide identification.

5. The buyer has a good reputation.

6. The buyer has a stable occupation and income source.

7. The buyer has good repayment willingness and ability.

8. The purchaser agrees to mortgage the purchased house.

Procedures required for housing loans:

1. Identity card and household registration book of the applicant and spouse. Original purchase agreement.

2. Advance payment receipt of 30% or more of the house price. Proof of the applicant's family income and related assets. Developer account.

3. Conditions to be met for housing loan: The borrower's age plus the loan period cannot exceed 65 years old.

4 with full capacity for civil conduct, stable economic income and the ability to repay principal and interest. Take the assets identified by it as the guarantor of mortgage or pledge, and the guarantor is a legal person, other economic organization or natural person with sufficient compensation ability.

First, to apply for a mortgage, the customer must first meet the standard, and the general age plus the loan period cannot exceed 70 years old; Secondly, customers should have a stable and legitimate source of economic income and the ability to repay the principal and interest of loans on time; Also, the customer's personal credit should be good, and there should be no bad credit records in the credit investigation. When a customer applies for a personal housing provident fund loan, the continuous deposit time of the provident fund must meet local requirements, and the provident fund account in the month of application is in a normal deposit state; And the customer has never applied for a provident fund loan, or the first set of provident fund loans previously applied for has been paid off. After signing the purchase agreement with the real estate developer, eligible customers can prepare their personal ID card, household registration book, residence certificate, work income certificate and additional assets and financial proof to apply for a loan from the bank. After reviewing and evaluating the information and personal credit report submitted by the customer, the bank will notify the customer to sign the contract at the outlet if it passes the examination. After receiving the approval notice, the customer can sign the loan contract at the outlet in time within the agreed time, and then go through the mortgage registration formalities. After completing the relevant procedures, the bank will lend money.

Two. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions when applying for personal loans:

(a) the borrower is a citizen of People's Republic of China (PRC) 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.