To apply for a housing mortgage loan, you need to meet the following conditions:

1. Be eighteen years or older and have legal status;

2. Have a stable financial income , have the ability to repay the principal and interest of the loan, and have no bad credit record;

3. Have a legal and valid house purchase contract;

4. Be able to provide an effective guarantee recognized by the lending bank;

5. The property rights of the house are clear.

6. The house is not included in the demolition plan.

7. Meet other conditions stipulated by the lending bank. Legal basis: Article 47 of the "City Real Estate Management Law of the People's Republic of China", real estate mortgage refers to the act of the mortgagor providing debt performance guarantee to the mortgagee with its legal real estate without transferring possession. . When the debtor fails to perform its debts, the mortgagee has the right to be repaid first with the proceeds from the auction of the mortgaged real estate in accordance with the law.