1. Property ownership: The applicant must be the legal owner of the property and hold the property ownership certificate.
2. Housing evaluation: Banks or financial institutions will evaluate houses to determine their value. Usually the value of the house is required to meet the requirements of the loan amount.
3. Repayment ability: Applicants need to prove that they have sufficient repayment ability, that is, they have a stable source of income and can repay on time.
4. Credit record: The applicant's credit record is also one of the factors considered by the bank. A good credit record can increase the chances of loan approval.
5. Liabilities: The bank will consider the liabilities of the applicant, including other loans, credit cards and other debts. If the debt is too high, it may affect the approval of the loan.
6. Age requirement: Generally speaking, applicants need to be 18 years old, and the age requirement of some financial institutions may be higher.
7. Other requirements: According to different financial institutions and policies, there may be other requirements, such as providing a guarantor and providing personal assets certificates.
It should be noted that the above conditions are for reference only, and the specific requirements may vary according to different regions and financial institutions. It is recommended that you consult relevant financial institutions before applying for a loan to understand the specific conditions and requirements.
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