Local household registration: singles are limited to one unit; families with Hangzhou household registration cannot buy a third residence. Non-local household registration: purchase of a house requires paying personal income tax or social security for 2 consecutive years; singles or families are limited to one unit. Purchase limit time: 2017 The scope of purchase restrictions starting from March 3: Shangcheng District, Xiacheng District, Jianggan District, Gongshu District, Xihu District, Hangzhou High-tech Development Zone (Binjiang), Hangzhou Economic and Technological Development Zone, Hangzhou Zhijiang National Tourism Resort, Xiaoshan District, Yuhang District, Fuyang District and Dajiangdong Industrial Cluster Area. 1. Have legal residence status; those applying for policy-based personal housing loans should have a permanent residence in the local area; have a stable occupation and income; have the ability to repay the principal and interest of the loan on time; have assets recognized by the lending bank for mortgage or pledge, or (and) There is a guarantor that meets the prescribed conditions to guarantee it. 2. Have a contract or agreement to purchase a house; when applying for a loan, have a deposit of no less than 30% of the funds required to purchase a house in the China Construction Bank. If you apply for a policy-based personal housing loan, you must deposit the housing provident fund with the China Construction Bank as required ;Other conditions specified by the lending bank. What is the process of getting a loan to buy a house? 1. Preliminary review: The Housing Fund Management Center will conduct a preliminary review of the materials submitted by the applicant, including the loan amount, applicant qualifications, and loan period. After passing the preliminary review, the center will issue a "Collateral Review and Assessment Notice." Appraisal: An estimate of the value of the home being purchased. Applicants should go to the evaluation agency designated by the center with the "Collateral Review and Evaluation Notice". No evaluation is required for affordable housing. 2. Review: The applicant shall go to the center for loan review with the "Evaluation Report" issued by the assessment agency and the preliminary review materials required by the center. If qualified, the center will issue the "Beijing Housing Fund Management Center Guaranteed Entrusted Loan Investigation Notice". 3. Go through the guarantee procedures: The applicant holds the "Beijing Housing Fund Management Center Guarantee Entrusted Loan Investigation Notice" and goes through the guarantee procedures according to the guarantee method of his choice. 4. If you choose the mortgage + guarantee method, if you choose the mortgage + insurance or third-party guarantee method, you should go to an insurance company to apply for insurance or go to a guarantee agency to go through the entrustment guarantee procedures. Sign a loan contract. The guarantor should issue a written letter of guarantee;