Yes.

According to Article 5 of the "Personal Housing Loan Management Measures": The borrower must meet the following conditions at the same time: have a permanent urban residence or valid residence status; have a stable occupation and income, good credit, and have the ability to repay the loan. The ability to pay principal and interest.

Have a contract or agreement to purchase a house; those who do not enjoy the house purchase subsidy shall pay no less than 30% of the total price of the house purchased as the down payment; those who enjoy the house purchase subsidy shall bear 30% of the personal portion As a down payment for a house purchase; assets recognized by the lender as mortgage or pledge, or an entity or individual with sufficient repayment capacity as a guarantor; other conditions stipulated by the lender.

Extended information:

Relevant requirements for personal housing loans:

1. If the guarantor is a natural person, he must have fixed financial resources and sufficient repayment ability. , and deposit a certain amount of deposit in the lending bank.

2. When the borrower cannot provide a full mortgage (pledge), a third party recognized by the lender should provide a guarantee for joint liability. The guarantor is a legal person and must have the ability to repay all principal and interest of the loan on his behalf, and must have a deposit account in a bank.

Notice of the Beihai Municipal People's Government-People's Bank of China on the promulgation of the "Personal Housing Loan Management Measures"