1. China residents aged 18-65 with permanent residence or valid residence status in local towns;

2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;

4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;

5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;

6. Other conditions stipulated by the bank.