1, stable economic income, ability to repay loan principal and interest, and no bad credit record.
2. There is a legal and effective purchase contract.
3. If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid.
4. If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the mortgaged house value, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 years.
5. It can provide effective guarantee recognized by the loan bank.
6. Housing mortgage loans can be loaned to 69 years old according to age.