Hello, the mortgage loan requires the house to be within 20 years; Must have strong liquidity. 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.

Basic conditions for applying for a loan:

1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

Operation process of real estate mortgage registration:

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

The following documents are required:

1, house ownership certificate;

2. Evaluation report;

3. Real estate mortgage bank loan contract;

4. Mortgagor's ID card (leave an ID card that is verified with the original);

5. 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.

The above answers are provided by Ronglian Ye Wei. Please refer to them.