2, a stable economic income, good credit, the ability to repay the loan principal and interest on schedule.
3. There are legal and valid housing sales contracts and purchase agreements and other supporting documents recognized by lending institutions.
4. There are funds above 20% (inclusive) /40% (inclusive) of the total price of the purchased house as the down payment.
5. Having assets recognized by this institution as collateral or pledge, or (and) having legal persons, other economic organizations or natural persons recognized by this institution as guarantors.
Credit cooperatives generally refer to rural credit cooperatives. Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.