Housing mortgage loan requires the service life of the house to be within 20 years; The housing area should be more than 50 square meters; The house should be highly mobile. The amount of mortgage loan is 70% of the appraised value of the house. The longest loan period for new house loans is not more than 30 years, and that for second-hand houses is not more than 20 years. The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. Generally, "house age+borrower age" means that men are under 65 years old and women are under 60 years old. Meet the conditions and go directly to the bank.

Basic conditions for applying for a loan:

A natural person with People's Republic of China (PRC) nationality and full capacity for civil conduct;

Hold a valid identity document;

Have a stable and legal source of income;

Mortgaged property has a clear property right certificate, which can be listed and circulated;

Other conditions stipulated by the bank.

Loan amount and term:

The mortgage rate of commercial housing can reach up to 70%;

The mortgage rate of office buildings and shops can reach up to 60%;

The mortgage rate of industrial plants can reach up to 50%;

Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

Operation process of real estate mortgage registration:

Time limit for real estate mortgage loan registration: 7 working days

The following documents are required:

Housing ownership certificate;

Evaluation report;

Real estate mortgage bank loan contract;

Mortgagor's ID card (keep the ID card checked with the original);

Other relevant materials.

Handling process: acceptance of registration 1 day, 2 days of preliminary examination, 3 days of review 1 day, 3 days of approval, replacement of certificate 1 day, payment 1 day, and filing.

Difference between housing mortgage loan and housing mortgage loan

Different costs: mainly in terms of interest rates. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan.

Different subjects of legal relationship: in the mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there must be at least three legal subjects, namely, the mortgagor (bank), the mortgagor (buyer) and the third party (original house owner).

The preconditions are different: the borrower wants to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy a house or for other purposes. However, mortgage loan is a personal housing loan business that buyers use the purchased house as collateral and real estate companies provide regular guarantees, but it can only be used for buying houses.