Conditions for applying for mortgage 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 proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

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

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

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

6. Open a personal settlement account in a bank;

7. Other conditions stipulated by the bank.

Materials to be prepared for housing loan business:

1. Provident fund loan:

(1) Identity certificates and marriage relationship certificates of the lender, spouse and borrower;

(2) Borrower's (husband and wife's) bank card;

(3) Purchase contract or agreement.

2. Portfolio loan:

(1) Borrower's (husband and wife's) bank card;

(2) the borrower and the borrower's professional income certificate;

(3) Purchase contract or agreement.

3. Commercial loans:

(1) Proof of professional income of the borrower and * * * the same borrower;

(2) Purchase contract or agreement.