Legal analysis: the conditions that real estate mortgage loan needs to meet are: the borrower 18 or above and 65 or below, and he is a natural person with full civil capacity; The borrower has good credit and a stable occupation and income; The borrower has a house purchase contract, permanent residence in cities and towns or valid residence status; Clear ownership of mortgaged houses, etc.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 394 Where the debtor or a third party mortgages the property to the creditor to guarantee the performance of the debt without transferring the property, and the debtor fails to perform the due debt or realize the mortgage right according to the agreement of the parties, the creditor has the right to be paid in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.