1. Stable source of income: Banks usually require borrowers to have stable jobs and provide relevant employment certificates and income certificates.

2. Good credit record: Your credit record is very important for obtaining a housing loan. The bank will evaluate your repayment ability and credit history, including past loan records and credit card repayment records.

3. Down payment ratio: Generally speaking, buyers need to pay a certain proportion of down payment, usually 20% or more of the house price. This means that you need to have enough cash reserves to pay the down payment.

4. Debt burden rate: The bank will consider your debt burden rate, which is the ratio between your income and debt. Usually, the debt burden rate should not exceed about 40% of your monthly income.

5. Loan interest rate: You also need to know the current mortgage interest rate. The interest rate may fluctuate according to market conditions, which will affect your monthly repayment.

Summary: To obtain a housing loan of 6,543,800+and pay it off within 30 years, it needs a stable income source, a good credit record, an appropriate down payment ratio, an affordable debt burden rate and an applicable loan interest rate. Please note that the specific requirements may be different due to different banking policies and market conditions. It is recommended that you contact your local banking institution for accurate information.

Extended data:

In China, the common types of housing loans include commercial loans and provident fund loans. Commercial loans are provided by commercial banks, and provident fund loans come from individual housing provident fund accounts. Different types of loans have different application conditions and interest rates. You can choose the appropriate way to apply according to your own needs.