The apartment property certificate can be mortgaged. But lenders need to meet the requirements and conditions of bank mortgage loans. Most banks require lenders to be between 18-55 years old. Age is the guarantee to confirm the borrower's repayment ability and bear civil liability, and banks need to decide the loan term according to their age. In addition to age, banks have strict requirements for lenders' bank flow and personal credit information.

What are the conditions for applying for an apartment mortgage loan?

As long as the apartment mortgage meets the statutory loan conditions, it can be handled in the bank. Then there are the following situations:

1. The actual age of the loan maturity date is generally not more than 65 years old.

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule.

3. Willing and able to provide real estate mortgage approved by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.

4. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages.

5. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.

6. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.

Procedures for handling apartment mortgage loans

1. Submit the required documents, including property ownership certificate or house ownership certificate and land use right certificate; Identity cards, household registration books and marriage certificates of both the borrower and the husband (singles need to be issued by the local civil affairs bureau); Income (stamp required).

2 housing valuation, according to the location, floor, area and orientation of the mortgaged property. Houses can generally be loaned to 50-90% of the assessed price.

3. After signing the contract in person at the bank and evaluating the house, you need to go through the formalities of real estate and the corresponding loan approval procedures, and issue the loan contract and mortgage contract with the approval.

4. Mortgage registration: The borrower shall go through the mortgage registration formalities with the real estate license and loan contract at the district/county real estate bureau where the property is located, and the agency expenses shall be borne by the borrower.

5. After the loan and mortgage are registered, the bank can issue the loan to the borrower's personal savings.