1. Stable source of income: Banks will pay attention to the income of borrowers when examining loan applications, so applicants for first-time home purchase loans need to have a stable source of income, and generally need to provide proof of salary flow and personal income tax payment in recent months.

2. Good credit record: The bank will review the borrower's credit record, including personal credit report, bank running record and other loan records. A good credit record is very important for obtaining a loan. At present, many online loan big data systems can provide online loan record query, such as "Lan Bing Data", which can query important data information such as online loan application record, application platform type, overdue or not, overdue amount, credit card and estimated online loan credit line.

3. Adequate down payment funds: Housing loans usually require borrowers to pay part of the down payment, and the down payment ratio may be different according to different loan policies and regional regulations. Therefore, first-time home loan applicants need to ensure that they have enough down payment funds, which can be personal savings or family support.

4. Legal and stable proof of residence: The bank needs to confirm the borrower's residence, so it needs to provide legal and stable proof of residence, such as house purchase contract and house lease contract.

In addition, please pay attention to policies and regulations such as loan interest rate, repayment method and loan amount. It may be different at different times and regions. It is recommended that you consult the bank in detail before applying for a loan to ensure that you know the latest policies and requirements.