The mortgage loan of real estate license can last for 10 years, the amount generally does not exceed 20% of the market value of the house, and the interest is 4 to 6%. If it is a new house mortgage, the longest loan period cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure. To apply for housing mortgage loan, the house provided by the borrower must meet the requirements of bank mortgage loan. If the borrower's house does not meet the requirements of the bank mortgage loan, he can't apply. The following are the conditions stipulated by the bank: First, they have legal status; Second, it has a stable economic income, the ability to repay the principal and interest of loans, and no bad credit record; Third, there is a legal and effective purchase contract; Fourth, 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; Fifth, if the mortgage loan has been purchased, 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 ownership certificate, and the age of the house is within 10 year; Sixth, it can provide effective guarantee recognized by the loan bank; Article 7 Other conditions stipulated by the lending bank.

The mortgage loan amount of real estate license depends on the value evaluation of real estate license, which is lower than the market price of real estate license. Generally speaking, the appraisal value of real estate license is influenced by the use time, market value, location, property right type, liquidity and other factors. The mortgage loan ratio of real estate license shall not exceed 70% of the appraised value of real estate license. However, depending on the type of real estate, the maximum loan ratio also has an impact. For example, the proportion of personal commercial housing mortgage loans is the highest, at 70%. The proportion of mortgage loans for office buildings and shops is only 60%; The highest proportion of factory mortgage loans is only 50%. The term of new house mortgage loan shall not exceed 30 years, and the term of second-hand house mortgage loan shall not exceed 20 years.

At the same time, the following types of real estate licenses cannot be mortgaged:

1. Housing with an area of less than 30 square meters and a room age of more than 20 years;

2. Affordable housing that has not been used for five years;

3. Small property houses are recognized by housing management;

4. Some bought public houses. How long can the mortgage loan of real estate license last? If it is a new house mortgage, the longest loan period cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure.