To apply for a real estate mortgage loan, you need to pay attention to several aspects:

Conditions of real estate mortgage loan: the service life of the house is required to be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile. Value of real estate mortgage loan: The amount of real estate mortgage loan is 70% of the appraised value of the house.

Loan term of real estate mortgage loan: the longest loan term of new house loan is not more than 30 years, and the second-hand house loan is not more than 20 years.

Interest rate and preferential treatment of real estate mortgage loan: The loan interest rate shall be in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China.