If you don't pay five insurances and one gold, and if you are registered in Jinan (eight districts and three counties), you can apply for a loan from a commercial bank as long as the average monthly salary can be covered by the bank's running water and the monthly repayment amount can be more than twice, and your personal credit record is not overdue. The first down payment is 30%, and the loan period is up to 30 years. The second down payment is 60%, and the loan period is up to 25 years. If you are a non-Jinan hukou (eight districts and three counties) and have not paid social insurance in Jinan, mainly endowment insurance, you are not qualified to buy a house. Full-time undergraduate students with foreign hukou have to pay social insurance for 6 months in a row, and full-time junior college students have to pay social insurance for 24 months within 3 years to qualify for buying a house. The undergraduate course is equivalent to the first down payment of 30% for Jinan hukou and 60% for junior college degree.