The actual age of the loan maturity date is generally not more than 65 years old; And have a legitimate occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule; Willing and able to provide real estate mortgage approved by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.

Conditions for mortgage of real estate: the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgage; Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.

Materials to be submitted by the lender: The materials to be provided by the borrower include: ID card and household registration book; Personal income certificate (stamped with the official seal of the unit); Copy of business license of self-employed unit (with official seal); Marriage certificate; Identity card and household registration book of the borrower's spouse; Housing ownership certificate; The application form and loan use certificate of the house owner and the * * * owner agreeing to mortgage.

Loan finance, service life and interest rate: the starting point of mortgage loan for real estate consumption is 5,000 yuan, and the higher amount does not exceed 70% of the value of mortgage in real estate assessment. Generally, the loan term does not exceed 5 years, and the longest loan term can reach 10 year. The loan interest rate shall be implemented according to the commercial loan interest rate stipulated by the People's Bank of China for the same period, which is conducive to repaying the principal and interest on a monthly basis.

Time and cycle of loan processing: the property that the customer wants to mortgage needs to be evaluated by the designated evaluation firm and an evaluation report will be issued. According to the borrower's qualification, loan amount applied, appraisal report and lawyer's opinion, the bank will determine the loan amount and loan period after examination, and the borrower can get the loan after registering with the real estate bureau. It takes about 65,438+00 days for a customer to submit all relevant information to the bank to apply for a loan, depending on the mortgage registration time of the housing management department.