Credit information should also use real estate license, because the bank examines personal assets, and there is no connection between them.

First, the housing mortgage loan conditions

1, with legal status.

2 have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record.

3. There is a legal and effective purchase contract.

4. 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.

5. 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.

6. It can provide effective guarantee recognized by the loan bank.

Second, the amount and amount

1, and the highest mortgage rate of commercial housing can reach 70%.

2. The mortgage rate of office buildings and shops can reach up to 60%.

3. The mortgage rate of industrial plants can reach up to 50%.

4. Up to 30 years, mortgage includes shops, office buildings, houses, villas, factories, warehouses, etc.

Extended data:

Process of applying for housing mortgage loan

1. The borrower shall fill in the Application for Mortgage of Residential Houses and submit the materials before lending.

① The borrower's fixed income certificate issued by the borrower's unit.

(2) Credit certification documents such as business license and legal person certificate of the loan guarantor.

(3) Legal and valid identification of the borrower.

(four) the certificate of ownership of the house or the certificate that I have control over the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate

⑤ Contracts, agreements or other supporting documents for the purchase and construction of housing.

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

3, the borrower will mortgage property ownership certificate and insurance policy or securities to the bank custody.

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.