1. That's what you asked. Most commercial banks can handle mortgage loans, but the premise is that the house must meet the mortgage conditions, and this mortgaged property can not be used for mortgage loans in general, which needs attention.
Although banks can handle mortgage loans, not everyone can get what they want. If the repayment ability is not strong or the credit is tainted, even if there is real estate as collateral, it is very likely to be rejected by the bank. At this time, we can consider these non-bank lending institutions. The loan conditions are more relaxed, and there are almost no requirements for the borrower's income, work and credit. As long as the property provided by the borrower meets the requirements and the procedures are complete, you can get the money.