Legal analysis: 1. Have a legal identity; 2. Have a stable economic income, the ability to repay the loan guarantee, and no bad credit record; 3. Have a legal and valid house purchase contract; 4. Be able to provide A valid loan guarantee recognized by the loan guarantee bank; 5. Other conditions specified by the loan guarantee bank.

Legal basis: "Interim Measures for Personal Loans of the People's Republic of China" Article 11 Personal loan applications shall meet the following conditions:

(1) The borrower must have full civil A citizen of the People's Republic of China with legal capacity or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

(3) The amount and term of the loan application and currency are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and no major bad credit records;

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(6) Other conditions required by the lender.