Hello, requirements for mortgage of real estate: the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgage. The mortgage loan cannot be older than 40 years, the house is not included in the urban reconstruction and demolition plan, and it has the real estate license and land certificate issued by the national real estate department. Among them, the properties with outstanding loans, some purchased public houses, affordable houses with less than 5 years, and small property houses without real estate licenses are all unable to obtain mortgage loans.

After the above conditions are met, the process of buying a house with real estate license mortgage loan:

1. Get all the information the bank needs. Including husband and wife's ID card, household registration book, real estate license, marriage certificate, purchase contract or invoice, and bank statement of personal account in the last six months.

2. After the lender submits, the bank will review the information, and if the information is wrong or incomplete, it will ask the lender to resubmit it.

3. After approval, the lender will hand over the property right certificate of the collateral to the bank for safekeeping.

4. The borrower and the borrower signed the Housing Mortgage Loan Contract and notarized it.

After notarization, the loan was successful and the bank began to transfer money to the lender. The lender needs to repay the bank on schedule every month until it is paid off.

Hope to adopt, thank you.