Real estate mortgage loan conditions:

1, 18 to 60, a natural person with full capacity for civil conduct;

2. Have a stable occupation and income, good credit and repayment ability;

3. Other conditions stipulated by the bank.

Real estate mortgage loan application process:

Step 1, the borrower submits a loan application to Zuancheng Guarantee and prepares loan application materials;

Step 2: After receiving the borrower's application, the bank will review the information, conduct actual exploration and evaluation of the mortgaged house, and issue an evaluation report;

Step 3, send the loan application materials and evaluation report to the bank for approval;

The fourth step is to sign a loan contract. The borrower and the mortgagor fill in the loan contract and all relevant documents, which will be notarized by the notary office after signing;

Step five, go through the mortgage registration procedures. The bank holds the house ownership certificate, loan contract and notarial certificate to the house registration authority for mortgage registration.

Procedures;

The sixth step is bank lending.

2. What are the requirements for applying for a mortgage loan?

To apply for housing mortgage loan, certain conditions must be met, and the requirements of both banks and other financial institutions are exactly the same. The specific requirements are as follows: 1. The actual age of the loan maturity date is generally not more than 65 years old. Source, willing to repay on time and able to provide real estate mortgage recognized by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities. 4. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages. 5. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments. 6. The owner of the collateral can be the borrower himself or others. If others collect it, they must issue a written commitment to the borrower to apply for a loan with their property as collateral, and ask the mortgagor and his spouse or other houses.

3. What are the conditions for the mortgage of China Merchants Bank's housing loan?

1. The borrower has valid identity documents and full capacity for civil conduct.

2. Handle real estate mortgage loans for the company's operation.

3. The borrower has a stable job and income, and has the ability to repay on time.

4. The applicant's personal credit information is good.

5. Lenders can provide houses, shops and commercial buildings that meet the requirements of China Merchants Bank as collateral.

6. The lender agrees to other conditions stipulated by China Merchants Bank.

4. What are the conditions for mortgage loan?

Mortgage loan conditions: 1. Need to provide real estate approved by the bank. It should be noted that the real estate must also have obtained the real estate license; 2. The borrower's house age shall not exceed 15 years; 3. The borrower has a fixed job and has the ability to pay off debts on time; 4. The borrower has good credit; 5. Other conditions required by the bank. After the submission, the bank will review it, and the loan can only be obtained after the approval. When the bank handles the mortgage loan, it should evaluate the house and then give a quota. Users can apply for loans within the prescribed amount. If the assessed amount is lower than the loan amount, they can submit collateral recognized by other banks, and they can continue to apply for loans after meeting the conditions. The user's loan in the bank must be repaid on time, and there can be no overdue repayment, because there will be a fine if it is overdue. The longer the period, the more fines. And after the deadline, the bank will upload the overdue records to the credit information center, which will lead to the deterioration of personal credit information and affect the subsequent application for various loans.