A photo of a house can be used as a mortgage. However, in addition, it is necessary to meet the conditions that the borrower has good credit, stable occupation and income, can pay a down payment of not less than 50% of the national defense evaluation price after the full purchase price, and agree to use the purchased house or assets recognized by the loan bank as collateral.

1. What are the procedures for real estate mortgage loan?

1. Before the borrower loans: fill in the Application for Housing Mortgage and submit the following supporting materials from 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. The borrower has no overdue credit card before applying for the loan. If he had a loan before, he must have no bad repayment record.

7. The borrower has a fixed job, stable income and repayment ability.

Second, what should I pay attention to in real estate mortgage registration?

1. Pay attention to interest rate: the interest rate of mortgage loan is not fixed. If the interest rate rises, the interest rate of housing mortgage loans will also increase, which may increase the repayment pressure of borrowers. In addition, if the borrower's loan amount is high and the loan period is long, the impact will be even heavier. Property buyers should pay attention to balance their repayment ability and avoid default.

2. Keep relevant vouchers: There will be many important vouchers in the process of handling real estate mortgage. You must pay attention to keep the relevant receipts and repayment vouchers, and try to repay by bank transfer. Pay attention to ensure that the account owner of the collection account is consistent with the lender when repaying. For the repayment amount, we should also pay attention to the details such as which loan to return, principal and interest. When sending money.