Housing mortgage loan application conditions:

1. A natural person with full capacity for civil conduct, aged from 18 to 65 (inclusive);

2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

3. Have good information records and willingness to repay;

4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. Commercial housing sales (pre-sale) contract or letter of intent for purchased housing;

6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

7. There is an effective guarantee recognized by the lender;

8. Other conditions stipulated by the bank.

Materials required for housing mortgage loan:

1, personal identification, household registration book, proof of residential address and proof of marital status;

2. Personal income certificate or asset status certificate;

3. Property certificate of mortgaged house;

4. If the applicant mortgages other people's property, it is also required to provide the identity card of the property co-owner (including the co-owner), proof of marital status, written proof of consent to mortgage, etc. ;

5. If a bank is designated, other documents that meet the requirements of the bank are required.

The specific process of housing mortgage loan guarantee:

1. The property under the customer's name is first of all a large property right house that can be registered as a property mortgage;

2. Apply for mortgage loan;

3. The appraisal agency evaluates the self-owned real estate provided by customers and submits the real estate appraisal report.

4. Go through the formalities of real estate insurance and the corresponding loan approval procedures, and the loan amount can reach 80% of the assessed value at most.

5. The customer shall go through the mortgage registration formalities with the real estate license and loan contract at the district and county real estate bureau where the real estate is located.

6. After the mortgage registration is completed, the bank can issue loans.