1. The applicant and his/her spouse must apply at the same time and pay the housing accumulation fund continuously for more than 12 months. It is necessary to deposit the housing accumulation fund in the name of a unit or individual in Changsha for at least 12 months.

2. The applicant must have a stable economic income and repayment ability, and ensure the timely repayment of the loan principal and interest. The bank or relevant institution will evaluate your income source and payment ability to determine whether it meets the requirements.

3. Personal credit record should be good, and there is no bad credit record. The bank will check the borrower's credit report and evaluate his repayment willingness and credit status.

4. The loan is used to purchase a house, and the borrower must be the property owner of the house purchased.