It is necessary to apply for a housing loan, because there are more people who borrow now, and the bank's business in lending has also improved a lot. What are the conditions for housing loan?

1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct.

2 have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan on schedule.

3. Have a good credit record and willingness to repay, and no bad credit record.

4. It can provide legal, effective and reliable guarantees recognized by banks.

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.

6. Open a personal settlement account in the bank.

7. Other conditions stipulated by the bank.