Legal analysis: First, the borrower should be a natural person with China nationality and full capacity for civil conduct; Second, the borrower must hold a valid identity document; Third, there are stable and legitimate sources of income; Fourth, the mortgaged property has a clear property right certificate, which can be listed and circulated; 5. Other conditions stipulated by the bank generally include (1) the borrower's age 18-55, and the general mortgage loan amount is 50-70% of the price in the real estate appraisal (some banks may increase it); The term of house mortgage loan is generally 1 year-10 year (a few banks can extend it to 30 years, but the borrower cannot be over 60 years old after the loan is completed); (2) the age of the house is within 20 years (a few banks can do it within 30 years, and most of them have spare houses, which is easier to approve); The loan interest rate of mortgage loan is generally10%-20%; There is a certain source of repayment (the effective proof is mainly bank flow, and at least the monthly effective income is more than twice the monthly mortgage payment); Individuals or companies have good credit (less overdue, or banks may find excuses to raise interest rates or not allocate funds).

Legal basis: Article 395 of the Civil Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.