Legal analysis: there are several important conditions for individuals to apply for mortgage loans. First, he has a steady income, in short, he can pay a certain amount of money every month. Second, the personal credit record is good. Third, the lender must be the spouse or parents of the borrower. Fourth, the sum of the monthly income of the lender and the borrower is more than twice the monthly repayment amount. Fifth, personal information.

Legal basis: Interim Measures of China Construction Bank for Individual Re-trading Housing Loans.

Article 6 The loan targets are China citizens with full capacity for civil conduct, natural persons from Hong Kong, Macao and Taiwan with full capacity for civil conduct with the right of abode in Chinese mainland, and foreigners with full capacity for civil conduct with the right of abode in Chinese mainland.

Article 7 A borrower applying for personal refinancing shall meet the following conditions: having legal status; Two, a stable economic income, the ability to repay the loan principal and interest, no bad credit record; Three, there is a legal and effective housing transaction contract or agreement; Four, the transaction of real estate property rights clear, can enter the real estate market transactions; Five, there is no less than the purchase of housing evaluation value or transaction price (whichever is lower) 20% (including 20%) of self-raised funds; Six, can provide effective guarantee approved by the loan bank; 7. Other conditions stipulated by the lending bank.