Conditions for applying for housing mortgage loan: requirements of the borrower: 1. Natural person with age 18-60. 2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule. 3. The borrower's actual age plus the loan application period shall not exceed 70 years old. Article 10 of the General Principles of Loans: In addition to entrusted loans, lenders provide loans and borrowers provide guarantees. The lender shall strictly examine the repayment ability of the guarantor, the ownership and value of the collateral and pledge, and the feasibility of realizing the collateral and pledge. After the loan review and evaluation, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.