1. The property mortgage needs to be the property in the borrower's name. If it is owned by a third party, a statement that someone agrees to the mortgage loan must be issued at the time of mortgage.

2. In the marriage certificate provided, if there is a divorce, a divorce agreement or a court judgment is required; If you are single after divorce, you need to provide proof that you have not remarried after divorce.

It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, study abroad, purchase of large household durable consumer goods and other consumer projects. If consumers use mortgage funds illegally, they may be recovered by banks, and consumers should pay attention to policy risks.

It is impossible to apply for a mortgage loan for a house that has not paid off the loan. In other words, if the house is still mortgaged, then the mortgage of the house is actually in the hands of the bank. Although the borrower has the right to use, but does not have full property rights, he cannot apply for mortgage again.

5. Small property houses have no mortgage trading right. This is because small property houses have no property rights and may be eliminated under the policy of land use planning, so financial institutions will not mortgage such properties.

The conditions and precautions of mortgage loan are introduced here. Finally, I want to remind you that you can't mortgage your house if you want to. You must meet certain conditions before you can apply for a loan. At the same time, you need to find a reliable company, which is also a guarantee.