With the continuous improvement of living standards, many entrepreneurs are in arrears with banks. If more people really can't raise money because they need liquidity, some people will choose to take out mortgage loans from banks. In the case of mortgage loan, both the lender and the house must meet certain conditions before applying for a loan. Then, the condition of applying for bank mortgage loan is that with the continuous improvement of living standards, many entrepreneurs owe money to the bank. If more people really can't raise money because they need liquidity, some people will choose to take out mortgage loans from banks. In the case of mortgage loan, both the lender and the house must meet certain conditions before applying for a loan. So, what conditions do you need to apply for a bank mortgage loan? What materials need to be provided?

What are the requirements for applying for a bank mortgage loan?

1. The mortgage loan requires the service life of the house to be within 20 years;

2. The housing area should be more than 50 square meters;

3. The house should have strong mobility.

4. The mortgage loan amount is 70% of the appraised value of the house.

5. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years.

6. The loan interest rate shall be implemented according to the loan interest rate of the same grade at the same period stipulated by the People's Bank of China.

7. average? House age+borrower age? Men under 65, women under 60.

What materials do I need to provide to apply for a bank mortgage loan?

1. The borrower shall fill in the Application for Mortgage of Residential Houses and submit the bank certification materials before lending.

2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.

3, the borrower will mortgage property certificate and insurance policy or securities to the bank custody.

4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.

5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.

6 loan settlement, including normal settlement and early settlement.

Under normal circumstances, if the house is generally used for mortgage loan, the bank will evaluate the house, and the loan can basically be obtained after the general evaluation is completed. The bank's estimated housing prices are basically 30% off the housing price. If the lender has more debts, the success rate of applying for mortgage loans will be slightly lower.