1. The borrower must be at least 18 years old;

2. The applicant's age+the lender's age is not more than 70 years old;

3. There is a down payment for buying a house;

4. Have a stable job;

5. Provide proof of income and credit report.

Second, the formalities:

1. Provide tax payment certificate or social insurance payment certificate of this Municipality for more than one year;

2, real estate development enterprises, real estate brokerage institutions should strictly implement the relevant provisions, in the signing of sales contracts, brokerage contracts to fulfill the obligation to inform the "purchase restriction" policy; Supervise the buyers to fill in the declaration form truthfully, and check the household registration, marriage and other supporting materials of the buyers and their family members;

3. For families who meet the purchase conditions, the relevant information will be entered into the information management system of Xi Housing Security and Housing Administration in time, and the online signing of commercial housing can be handled only after the housing management department has verified it.

Third, restrictions:

You can't apply for provident fund loans unless you pay the provident fund in Xi 'an.

Extended data:

In Xi 'an's restricted purchase area, it is forbidden to sell houses to registered households (including couples and minor children) and non-registered households with 1 set of houses (including newly-built commercial housing and second-hand housing); Non-resident families who have no housing in the above areas and can provide personal income tax or social insurance certificates for more than 2 years (including 2 years) can buy 1 house. All kinds of talents approved to be introduced to buy self-occupied housing are not restricted by the purchase restriction policy.

Restricted purchase area:

New City, beilin district, Lianhu District, Yanta District, weiyang district, Baqiao District, Chang 'an District Administrative District and High-tech Zone, Economic Development Zone, Qujiang New District, Chanba Ecological Zone, Aerospace Base, International Port Area and Fengdong New City.

Unlimited purchase area:

Yanliang, Lintong, Gaoling and Hu Yi, Zhouzhi, Lantian County, Xixian County, Fengxi, Airport New Town, Jingwei New District, Qin and Han New Town.

Buying a house in a restricted area requires online registration and lottery, while buying a house directly in a non-restricted area.

Just need a family to meet the following three conditions at the same time.

1. Residents' families include husband and wife and their minor children, divorced (widowed) parents and their minor children, excluding unmarried and divorced singles who have been divorced for less than 3 years;

2. Registered buyers and their family members have no housing with their own property rights under the name of Xi 'an and have no housing transfer records since 20 17 1;

3. Registered family members who buy houses meet Xi's housing purchase restriction policy.

Xi Housing Security and Housing Authority-Frequently Asked Questions on House Purchase