Legal analysis: whether the mortgage is passed or not depends mainly on the qualifications of the borrower. As long as the applicant meets the requirements of the bank to apply for a mortgage and can provide true and complete proof materials, it will pass smoothly. The general conditions for mortgage are: 1. The applicant has legal and valid identity documents and is a natural person with full capacity for civil conduct; 2, no bad credit record, stable income, and the ability to repay the loan principal and interest on time; 3, with the purchase of housing contracts or agreements. The contract or agreement for the purchase of export housing shall be notarized; 4. Have its own funds not less than 30% of the house price, and guarantee to pay the down payment of the house; 5. Being able to provide effective guarantee recognized by the loan bank; 6. Other conditions stipulated by the lending bank.

Legal basis: Article 11 of the Interim Measures for Personal Loans in People's Republic of China (PRC) shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.