The conditions for applying for a loan in mortgage to buy a house are as follows:

1. A natural person aged 18-65;

2. Have a valid ID card;

3. Good credit information and no bad records;

4. Have a stable job and a stable income;

5. Commercial housing sales contract or letter of intent with purchased housing;

6. Have the ability to pay the down payment for the purchased house;

7. Opening a personal settlement account in a bank and having an effective guarantee;

8. Other conditions stipulated by the bank.