Loan conditions for mortgage loans:

Have legal status;

Have stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

Have a legal and valid house purchase contract;

If you use the newly purchased house as the maximum mortgage, you must have a legal and valid house purchase contract, the house must be less than 10 years old, and have or A down payment of no less than RMB 30 of the total price of the house purchased has been paid;

If a house has been purchased and a mortgage loan has been applied for, the original house mortgage loan has been repaid for more than one year, and the loan balance is less than the value of the mortgaged house 60, and the house used as mortgage has obtained the house ownership certificate and is less than 10 years old;

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

Others stipulated by the lending bank condition.