You can go to the bank to mortgage the loan, but you should investigate your financial situation when you mortgage the bank. Is there a loan that has been paid off, is there? Your loan amount may drop.

Second, applying for online loans is a credit record, and that bank can mortgage the house.

Hello, as long as you meet the conditions for mortgage, you should be able to do it.

Housing mortgage loan requires the service life of the house to be within 20 years; Must have strong liquidity. The amount of mortgage loan is 80% 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. "Borrower's age" is generally not more than 70 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.

Loan amount and term:

1, and the highest mortgage rate of commercial housing can reach 80%;

2. The mortgage rate of office buildings and shops can reach up to 60%;

3. The mortgage rate of industrial plants can reach up to 50%;

4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

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.

Third, do you check the credit information of real estate mortgage?

Housing mortgage depends on personal credit information. If you apply for a mortgage loan through a bank, you should check the credit records of both husband and wife of the borrower. If the credit history is blacklisted, you can't mortgage the loan, and the husband and wife influence each other. 1. The process of real estate mortgage loan is as follows: 1. The borrower opens a current deposit account in the bank; 2. Information required for preparing the loan; 3. Sign the bank face to face; 4. Bank filing and approval; 5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower; 6. Go to the Construction Committee for mortgage registration; 7. The Project Construction Committee issues his right certificate; 8. Handle insurance, notarization and other procedures as appropriate; 9. The bank directly transfers the loan to the account agreed in the contract; 10. The borrower repays the loan principal and interest according to the loan contract. Second, when applying for a housing loan, you need some relevant documents to prove it, mainly including the following parts: 1, the borrower's valid ID card and household registration book; 2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. Is necessary. Extended information housing mortgage loan requirements: 1. Housing requirements (1) The property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgage; (two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years; (three) the mortgaged house is not included in the local urban transformation plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department; Two. The Lender requires that all China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions can apply for individual comprehensive consumption loans. 1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule; 2. No illegal acts and bad credit records; 3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability; 4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account; 5. Other conditions stipulated by the bank.

Fourth, applying for online loans is a credit record, and that bank can mortgage the house.

1, you can go to several local banks for consultation;

2. Generally speaking, every bank can mortgage real estate loans;

So you can compare the details with the evaluation of the loan amount.