Loan applicants need to apply for mortgage loans from the relevant registration departments of banks, and at the same time, they need to submit relevant supporting materials, such as identity documents, residence certificates, household registration books, marriage certificates, etc.

Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration.

The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years; The loan amount is 70% of the appraised value of the house; The loan interest rate is implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate is 5.94%.

Housing mortgage loan conditions: the service life of the house is within 20 years; Banks have different requirements for the size of houses; The house should have strong liquidity; Generally need commercial housing, apartments, shops, office buildings.