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

1. The borrower can provide valid identification documents.

2. The borrower can provide valid proof of residence, such as residence permit.

3. The borrower has a stable occupation and income.

4. The borrower is over 18 years old and has full capacity for civil conduct.

5. The borrower is able to repay the loan.

6. The borrower implements the mortgage guarantee conditions.

Extended data:

A, real estate mortgage generally need to meet the following conditions:

1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;

3. Have good information records and willingness to repay;

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

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

6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

7. The borrower has a legal and effective purchase contract or agreement;

8. There is an effective guarantee recognized by the lender.

Second, what conditions do you need to meet for car mortgage?

1, age 18, with full capacity for civil conduct;

2. China citizens who have a fixed residence in China and have lived and worked in China for a long time and have the ownership of local mortgaged vehicles;

3 have a stable job and economic income, and can guarantee the repayment of loan principal and interest on schedule;

4. Personal credit is good, and there are no bad credit records such as overdue and cashing in the credit report.

What are the requirements for bank real estate mortgage loan?

Bank housing mortgage loan requirements are as follows:

1. The mortgaged house should have obtained the house ownership certificate, and the mortgaged house must have clear property rights.

2. The borrower has complete disposition right and can register the mortgage;

3. The mortgagor must use the full value of the mortgaged house for loan mortgage;

4. The house can be legally listed and traded, and it is easy to realize. There is no such thing as:

5, dilapidated houses, illegal buildings or have been included in the scope of demolition; Property rights disputes;

6. The mortgage has been set; Has been leased to others and the property owner fails to notify the lessee in accordance with the provisions, which damages the interests of the lessee;

7. It is sealed up according to law or restricted in other forms.

8, stable work

In the case of collateral as a guarantee, the bank will lower the loan threshold, but it will still require the borrower to work in the current unit for half a year, which means that he must have a stable job.

Extended data:

Housing mortgage loan process:

1. The borrower shall fill in the Application for Mortgage of Residential Houses before lending, and submit the following supporting materials issued by the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower.

The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank.

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

3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.

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.