Mortgage loan is to apply for a loan with real estate such as houses as collateral. What are the conditions for applying for a mortgage? What application materials are needed?

The mortgage loan application conditions are as follows:

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 property has real estate license, clear property rights and can be listed and circulated.

Materials required for mortgage:

1. real estate license;

2. Identity cards of the obligee and his spouse;

3. Household register of the obligee and spouse;

4. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);

5. proof of income;

6. If the owner of the real estate license has minor children, please provide a birth certificate;

7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;

8. In order to improve the loan pass rate, please try to provide other family property certificates (such as another property certificate, stocks, funds, cash passbook, vehicle driving license, etc.). ).).