Bank housing loan requirements:
(a) the property right of the house should be clear, meet the conditions for listing and trading stipulated by the state (the frozen house cannot be listed and traded), and can enter the real estate market without other mortgage;
(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;
(three) the mortgaged house is not included in the local urban transformation and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department.