1, with urban permanent residence or valid residence status 2, stable occupation and income, good credit, ability to repay the principal and interest of the loan on time 3, self-raised funds of more than 20% of the total price of the purchased house, and guarantee the down payment of the purchased house 4, assets recognized by the bank as collateral or pledge, or units or individuals with sufficient compensation ability as guarantors to repay the principal and interest of the loan and bear joint liabilities. 5. There is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank. 6. Other conditions stipulated by the bank. Information to be provided when applying for mortgage:
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Legal basis: Article 52 of the Law of People's Republic of China (PRC) on Public Security Administration Punishment commits one of the following acts, and shall be detained for more than 10 and less than 15, and may be fined less than 1000 yuan; If the circumstances are relatively minor, they shall be detained for more than 5 days 10 days, and may also be fined up to 500 yuan:
(1) Forging, altering or buying or selling official documents, certificates, certification documents and seals of state organs, people's organizations, enterprises, institutions or other organizations;
(2) buying, selling or using forged or altered official documents, certificates and supporting documents of state organs, people's organizations, enterprises, institutions or other organizations;
(3) Forging, altering or reselling tickets, boat tickets, air tickets, tickets for cultural performances, sports competitions or other valuable tickets;
(4) Forging or altering a ship's registration number, trading or using a forged or altered ship's registration number, or altering a ship's engine number.