1,18-a natural person aged 65;

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. There is no illegal act;

4. Good credit information and bad credit records;

5. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

6. Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

7. The property right of the house is clear and meets the listing and trading conditions stipulated by the state;

8. Real estate can enter the real estate market without any other mortgage;

9. The sum of the housing age and the loan application period cannot exceed 40 years;

10, the mortgaged house is not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

1 1, other conditions stipulated by the bank.