1. Have permanent residence or valid residence status in China;

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Pay the down payment that meets relevant regulatory requirements;

5. Provide effective guarantee recognized by the lender;

6. Other conditions stipulated by the lender.

To apply for a personal first-hand housing loan, the following materials shall be provided:

1, loan application;

2. Legal and valid identification materials;

3. Proof that the down payment of the purchased house has been paid;

4. Proof of economic income recognized by the lender;

5, the purchase of housing contracts, agreements or other valid documents;

6. Relevant documents authorizing the lender to inquire about the personal credit information system of the People's Bank of China and record the inquiry results;

7. Other materials required by the lender.