Agricultural Bank of China personal first-hand housing loan borrowers need to meet the following conditions: 1. Have full civil capacity and legal and valid identity documents; 2. Have the ability to repay the principal and interest of the loan; 3. Good credit status; 4. A legal and valid house sales contract has been signed, and the house purchased is for residential purposes; 5. There is proof of a down payment of no less than the minimum required proportion; 6. In principle, a mortgage guarantee is set for the house purchased; 7. The conditions stipulated by the Agricultural Bank of China Other conditions. Note: The specific business types, handling procedures, handling conditions, etc. are subject to the relevant regulations of the local branch.