As of February 7, 2020, there is no fixed amount of domestic mortgage loan, which is defined according to the value of real estate, but the loan term is stipulated. If it is a new house mortgage, the longest loan period cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years.

Loan terms:

1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank;

Extended data:

Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required)

7. Second residence certificate (to ensure that the borrower has a place to live once his house is auctioned)

Baidu encyclopedia-real estate mortgage loan

Baidu encyclopedia-mortgage real estate loan