1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

Extended data:

Personal housing mortgage loan means that the applicant applies for a loan from the bank with his own housing property rights as collateral, and the loan funds can be used for personal consumption and operation.

Personal housing mortgage loan is different from personal housing mortgage loan. Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan.

If the individual mortgage loan fails to repay as agreed within the mortgage period, the bank will recover the property and obtain the ownership of the house, and at the same time, it can auction the illegal money according to law.

References:

Personal Housing Mortgage Loan-Baidu Encyclopedia