Mortgage loan should evaluate the nature of the house. In general, it is best not to mortgage the house for more than 15 years. In addition, whether your house is still mortgaged, the house in the mortgage repayment period can no longer be mortgaged! Generally, it takes two months at the earliest to approve the mortgage, and half a year is possible if it is slow!

Housing mortgage payment is to borrow money from the bank with real estate as collateral. Generally, as long as you have the ability to repay, you can borrow money.

1. The collateral of the mortgage loan is your house.

You need to have a regular job to repay your loan.

3. Find more commercial banks such as China Merchants Bank and Development Bank, which may have lower requirements for your income threshold.

4. The loan amount is 50% of the amount assessed by the bank. The appraisal is conducted by an appraisal company designated by the bank. The evaluation value is generated according to your age, supporting facilities, popularity of residential projects and other related factors. Generally, the evaluation price will be lower than the market price of the house, because banks should control risks.