The loan can only be made if there is collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Information provided: ID card, household registration book, proof of marital status, proof of income, real estate license, ID card, household registration book, proof of marital status of guarantor and other relevant information required by the bank.

You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee.

It usually takes about 1 month to get a loan _

Process:

1. Apply for a loan from the bank,

2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;

3. Sign a loan contract, etc. ;

4. Apply for real estate mortgage registration;

5. Bank loans _

The repayment method is equal to the principal, and the repayment interest will be less.