Land certificates cannot be used for bank loans, and bank mortgage loans require real estate certificates, and there are attachments (real estate, factories, etc.). ) On land. \x0d\ 1。 Housing mortgage application conditions: \x0d\ 1, housing nature; Houses, office buildings, villas, commercial houses, cost houses, affordable housing (strict requirements for affordable housing) and clear property rights within 20 years; \x0d\ 2. The Mortgagor (normal age 18-65 years old) is in good health; \x0d\ 3. The Mortgagor has not been involved in the credit investigation for nearly 24 months; \x0d\ 4。 The mortgagor can prove the source of repayment and other assets (certificates of deposit, second house property, stocks, funds, etc.). ); \x0d\ 5. The actual use of funds is clear; \x0d\ II。 Preparation materials: \x0d\ 1, ID card of borrower and spouse, original and photocopy of household registration book (if single, single certificate is required); \x0d\ 2。 Proof and copy of the marital status of the borrower; \x0d\ 3。 Family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate); \x0d\ 4。 Statement of personal main bank account in recent 6 to 12 months (stamped with bank seal); \x0d\ 5. Income certificate of the work unit; \x0d\ 6. Proof materials such as family private loans; \x0d\ 7. Evaluation report; \x0d\ III。 Process: submit materials → sign bank documents → house evaluation → bank approval → bank loan → mortgage registration → monthly loan repayment.