It is common to borrow money from others with a house as collateral. Private lending is mainly based on mutual agreement, while lending to financial institutions such as banks generally needs to meet the basic conditions stipulated by banks. Here is a brief introduction to the conditions for using real estate mortgage to borrow money from banks. First, the borrower must be a natural person with China nationality and full capacity for civil conduct; Second, the borrower must hold a valid identity document; Third, there are stable and legitimate sources of income; Fourth, the mortgaged property has a clear property right certificate, which can be listed and circulated; 5. Other conditions stipulated by the bank generally include (1) the borrower's age 18-55, and the general mortgage loan amount is 50-70% of the price in the real estate appraisal (some banks may increase it); The term of house mortgage loan is generally 1 year-10 year (a few banks can extend it to 30 years, but the borrower cannot be over 60 years old after the loan is completed); (2) the age of the house is within 20 years (a few banks can do it within 30 years, and most of them have spare houses, which is easier to approve); The loan interest rate of mortgage loan is generally10%-20%; There is a certain source of repayment (the effective proof is mainly bank flow, and at least the monthly effective income is more than twice the monthly mortgage payment); Individuals or companies have good credit (less overdue, or banks may find excuses to raise interest rates or not allocate funds).