1. The mortgaged house should have obtained the house ownership certificate, and the mortgaged house must have clear property rights.

2. The borrower has complete disposition right and can register the mortgage;

3. The mortgagor must use the full value of the mortgaged house for loan mortgage;

4. The house can be legally listed and traded, and it is easy to realize. There is no such thing as:

5, dangerous buildings, illegal buildings or have been included in the scope of demolition; Property rights disputes;

6. The mortgage has been set; Has been leased to others and the property owner fails to notify the lessee in accordance with the provisions, which damages the interests of the lessee;

7. It is sealed up according to law or restricted in other forms.

8, stable work

In the case of collateral as a guarantee, the bank will lower the loan threshold, but it will still require the borrower to work in the current unit for half a year, which means that he must have a stable job.

Extended data:

Housing mortgage loan process:

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower.

The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

Baidu encyclopedia-house mortgage loan