Legal analysis: mortgage loan conditions are as follows: 1. Have a valid ID card and proof of marital status. 2. Good credit record and willingness to repay. 3. Stable income. 4. Commercial housing sales contract or letter of intent for the purchased house. 5. Have the ability to pay the down payment of the purchased house. 6. Open a personal settlement account in a bank with effective guarantee.

Legal basis: Article 42 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the secured loan at maturity, the commercial bank has the right to require the guarantor to repay the principal and interest of the loan or give priority to the repayment of the collateral. Real estate or equity acquired by a commercial bank due to the exercise of mortgage or pledge shall be disposed of within two years from the date of acquisition. If the borrower fails to repay the credit loan at maturity, it shall bear the responsibility in accordance with the contract.