1, with legal status;

2, a stable economic income, good credit, the ability to repay the loan principal and interest;

3. There are legal and effective purchase and overhaul contracts and agreements and other supporting documents required by the loan bank;

4. Have self-raised funds of more than 20% of the total price of the purchased (overhauled) house, and guarantee to pay the down payment of the purchased (overhauled) house.