Yes, I can. The income is divided into two parts: 1, and the customer's mortgage fee is charged; 2. Return the bank interest. Loan conditions of mortgage loan: legal status; Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record; There is a legal and effective purchase contract; If the newly purchased house is used as the maximum mortgage, there must be a legal and effective purchase contract; If the mortgage loan has been purchased, 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; Can provide effective guarantee recognized by the loan bank. Article 39 of the Commercial Bank Law: Commercial banks shall abide by the following provisions on the management of asset-liability ratio: (1) The capital adequacy ratio shall not be less than 8%; (2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%; (3) The ratio of the loan balance to the capital balance of a commercial bank to the same borrower shall not exceed10%; (4) Other provisions of the State Council Banking Regulatory Authority on asset-liability ratio management. If the asset-liability ratio of a commercial bank established before the implementation of this law does not meet the provisions of the preceding paragraph after the implementation of this law, it shall meet the provisions of the preceding paragraph within a certain period of time. Specific measures shall be formulated by the State Council.