(2) Having a good credit record and willingness to repay; (three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time; (4) the contract or letter of intent for the sale (pre-sale) of purchased houses and commercial houses; (5) Being able to pay the down payment of the purchased house; (6) Opening a personal settlement account in a bank; (7) Effective guarantee recognized by the lender; The procedures for first-hand housing loans are: (1) identity documents; (2) proof of marital status; (3) proof of repayment ability and income; (4) documents proving that the down payment for house purchase has been paid; (5) A legally binding commercial housing sales contract signed with a real estate developer; (6) If there is * * * borrower or * * * owner, the borrower or * * * owner shall provide relevant identity documents and the commitment to agree to mortgage, and if there is * * * borrower, it shall provide proof of repayment ability; (seven) other information required by the bank.