It is suggested to handle the mortgage directly at the first-tier branch or head office of Bank of China, which can save a long period of examination and approval procedures. The basic conditions for specific loans are as follows:

1. Have permanent residence or valid residence status in China;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Pay the down payment that meets relevant regulatory requirements;

5. Provide effective guarantee recognized by the lender;

6. Other conditions stipulated by the lender.