Loan conditions: The borrower must meet the following conditions:

(1) has legal status;

(two) a stable economic income, good credit and the ability to repay the principal and interest of the loan;

(3) There are legal and effective housing purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

(4) Having self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guaranteeing to pay the down payment of the purchased (overhauled) house;

(5) There are assets recognized by the loan bank for mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors;

(6) Other conditions stipulated by the lending bank.