If you need to apply for a personal first-hand housing loan, you must meet the following conditions:

1. Have permanent residence or valid residence status in China (foreigners can also apply, please refer to relevant local regulations for details);

2. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

3, has signed a contract or agreement to buy housing;

4. Must pay the down payment of the purchased house that meets the requirements of relevant regulations;

5. Provide effective guarantee recognized by the lender, etc.

For details, please consult the local branch of Bank of China.

If in doubt, please consult the online customer service of China Bank or download and use the mobile banking APP of China Bank to handle related business.

The above contents are for your reference. Please refer to the actual business regulations.