1, stable economic situation: the family should have a stable economic situation, a stable source of income, and be able to repay on time. This can reduce the risk of the bank and ensure that the loan is paid off on time.

2. Reasonable loan amount: The loan amount of a family loan to buy a house should be reasonable and cannot exceed its repayment ability. If the loan amount is too high, it may affect the family's financial situation and repayment ability.

3. Appropriate interest rate: The mortgage interest rate should be appropriate, not only to meet the needs of borrowers, but also to take into account the profits of banks and achieve a win-win situation for all parties.

4. Appropriate purchase projects: families need to choose suitable purchase projects with investment value and value-added space to ensure the safety and profitability of investment.

5. Healthy market environment: The lending market and the real estate market need to be healthy and stable to ensure the legality and rationality of loans and the safety and profitability of investment.

6. Legal and compliant operation mode: When buying a house with a family loan, we must abide by laws and regulations, conduct lending and investment activities in a legal and compliant manner, and prevent risks and disputes. Meet the above conditions, family loans to buy a house can achieve multi-win situation. Families can get stable assets by buying houses, banks can get stable income, real estate developers can get investment income, and the market can also achieve healthy and stable development.