1. Personal information meets local purchase requirements;

2. Individuals must have bank information in the local area for more than half a year;

3. The individual has no bad record in the bank;

4. Individuals must provide proof of good repayment ability.

Summary: as long as individuals meet the above conditions, they can buy a house locally, provide personal bank running water for more than half a year, personal income certificate and repayment ability certificate, and handle it directly at the local bank.