Conditions for loan processing:

1, a citizen of China who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct, 18-65 years old;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

Extended data:

Precautions:

1. Only one person's name is written on the property certificate of husband and wife, which should be recognized as the joint property of husband and wife. Therefore, even if there is no clear agreement, a person who borrows money to buy a house will have the same property after marriage. If you divide it later, you will still divide it into * * *.

2. In addition, parents can be entrusted to buy real estate for their children after marriage. If the property right is registered in the name of the investor's children, it can be regarded as giving you only one child according to the provisions of the marriage law, and the property should be recognized as the personal property of the husband and wife. In other words, parents can invest in buying a house and make it clear that the house is only for one person, so that it can be clearly given through notarization.

References:

Baidu encyclopedia-personal mortgage