The bank is the mortgage of both husband and wife. If the loan term is calculated by the elderly, men over 65 and women over 60 can't take out mortgage loans.

Housing mortgage loan actually refers to the use of what the customer already owns. Commodities mortgaged to banks and commercial houses circulating in the market are different from second-hand buildings. The credit history of mortgage customers is very important, which is an important historical evidence of whether customers are willing to repay. No matter how full the property is, the bank will not accept the mortgaged house. Mortgage is that you can't borrow a penny.

What is the process of mortgage loan?

1. The borrower shall fill in the residential mortgage application form and submit the bank certification materials before the loan. Review the loan application, purchase contract, agreement and related materials of the bank borrower.

2. The borrower mortgages the insurance receipt or securities with the property title certificate and warranty certificate of the property deposited in the bank. Both borrowers and lenders should bear the burden. Insurance companies sign mortgage loan contracts and notarize them.

After the loan contract is signed and notarized, the bank will transfer the borrower's deposit and loan to the house. List of sales units or buildings specified in the housing contract or agreement.

4 loan settlement, including normal settlement and early settlement.

1) Normal settlement refers to a loan with a definite maturity date (one-time repayment, repayment of principal and interest) or a final loan (installment payment).

2) Early settlement means before the loan maturity date.

If a person repays part or all of the loan in advance, he must borrow money. It is stipulated in the contract to apply to the bank in advance, and the bank will repay the money at the designated accounting counter after passing the examination. After the loan agreement is paid off, the borrower shall hold his valid identity certificate and the bank. The payment settlement voucher issued by the bank was taken back by the bank. Legal documents and relevant supporting documents, loan settlement. The certificate shall be cancelled at the original mortgage registration department.

The following matters should be paid attention to in mortgage loan: 1 The mortgaged property needs to be in the borrower's name. If the mortgaged property is owned by others, a statement that the co-owner agrees to the mortgage loan is also required. 2. It is necessary to clarify the purpose of the loan. Mortgage loans are generally used for decoration, purchase of large household durable consumer goods, study abroad, etc. 3. Divorced borrowers need to submit divorce agreements or court judgments. If you are unmarried after divorce, you need to submit proof of your last marriage after divorce. 4. Small property houses cannot apply for real estate mortgage loans, and real estate mortgage loan transactions can only be carried out under the condition of clear property rights.