If the house is less than 60 square meters and meets the conditions for a mortgage loan, you can get a mortgage loan. A type of loan used by banks in some countries. The borrower is required to provide certain collateral as a guarantee for the loan to ensure the repayment of the loan when it is due. Collateral is generally items that are easy to preserve, not easy to lose, and easy to sell, such as securities, bills, stocks, real estate, etc.

After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and use the auction proceeds to repay the loan. The balance of the loan paid off by the auction proceeds is returned to the borrower. If the auction proceeds are insufficient to pay off the loan, the borrower will continue to pay off the loan. Extended information

(1) When a borrower applies for a maximum mortgage loan for a newly purchased house or an owner-occupied house without a mortgage as the maximum mortgage loan, he/she needs to provide; identity proof materials; and proof of repayment ability; Down payment invoice; submit an application for the maximum mortgage loan for personal housing in the "Personal Housing Loan Application Form". ?

(2) To convert the original housing mortgage loan with China Construction Bank into a maximum-amount personal housing mortgage loan, the customer needs to fill out the "China Construction Bank Personal Housing Maximum Mortgage Loan Application Form" and submit it to the loan company The bank will provide proof of identity, marriage status, and debt repayment ability (if the above materials are already included in the original loan application and there are no changes when applying for the maximum mortgage loan, they may no longer be provided);?

( 3) To convert the original housing mortgage loan from another bank into a maximum mortgage loan, the borrower needs to fill out the "China Construction Bank Personal Housing Maximum Mortgage Application Form" and provide the lending bank with: the borrower's identity certification materials and marriage status certificate Materials; materials proving the borrower's repayment ability; materials proving the ownership of the house; a statement from the person who pledged the property to agree to handle the maximum mortgage amount.

Baidu Encyclopedia-Mortgage Loans