Before buying a house, there was no title deed. If there was no real estate license, you couldn't apply for a bank mortgage loan. The requirement of bank mortgage loan for real estate is a large property house with real estate license that can be listed and traded.

Application conditions for house mortgage:

1. The nature of the house; Houses, office buildings, villas, commercial houses, cost houses, affordable housing (with strict requirements on affordable housing) and clear property rights within 2 years

2. Mortgagor (with normal age of 18-65 years old) is in good health

3. Mortgagor's credit investigation for nearly 24 months must not bring trouble to 6

4. Mortgagor can prove repayment sources and other assets (two sets of large time certificates of deposit) The actual use of funds is clear

Preparation materials:

1. Original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required)

2. Proof and photocopy of the borrower's marital status

3. Certificate and photocopy of family property and car ownership, and other assets proof materials (original and photocopy of house ownership certificate, land use certificate and deed certificate)

Statement of personal main bank account for nearly 6-12 months (stamped with banking seal)

5, income certificate of work unit

6, proof materials such as family private loan

7, evaluation report

process of housing mortgage loan:

submission materials

signing bank documents

housing evaluation

bank approval

.