1. The applicant for housing micro-mortgage loan must be a citizen who has reached the age of 18 and has full capacity for civil conduct or an enterprise legal person registered in the industrial and commercial department.

In addition, additional conditions include: having legal and valid identity certificate and household registration certificate (or valid residence certificate) of the place where the loan bank is located, having a stable income source and the ability to repay the loan principal and interest in full and on time, having a good credit record and repayment willingness, and having no illegal acts and bad records.

4. When applying for bank micro-mortgage loans, only by meeting the above conditions can we stand out from the crowd who apply for unsecured micro-loans from banks. However, for different commercial banks, there will be different other restrictions: for example, ICBC, when users apply for ICBC unsecured micro-loans, the applicants must be ICBC private banks, wealth management, peony platinum cards or wealth management account customers.

13. To apply for a small mortgage loan from a bank as a wealth management account customer, you must hold an ICBC wealth management account card 1 year or more, and the quarterly average daily balance of financial assets in ICBC in recent 1 year is more than 200,000 yuan (inclusive). Only users who meet these basic conditions and additional conditions can apply for unsecured micro-loans from banks.

How to choose a loan bank?

1. Compare loan terms.

To apply for a small mortgage loan, banks should not only see whether the house meets the requirements, but also have more requirements for the borrower's qualifications, such as the borrower's credit status and personal income.

Applying for housing mortgage loan in a loan company mainly depends on the value of the house and whether it has liquidity. If you have bad credit and are heavily in debt, you can usually get a loan from a loan company as long as you can provide a qualified house as collateral.

4. Compare loan interest rates.

Because there is a house as a guarantee for bank loans, the risk of mortgage loans is lower than that of credit loans. But at present, the interest rates of mortgage products of various banks are different, which will be different in different regions and different banks. Even if it is the same bank, the loan interest rate in different regions will be different.

3. Compare the approval speed.

There are many procedures for bank mortgage loans, and the approval is also very slow. It takes about 20 working days at the earliest to get the loans. The loan company has relatively simple procedures and quick approval. Generally, you can get the loan in about 10 working days.