1. Generally, the borrower is required to be 25-65 years old, and the mortgagor is required to be 18-70 years old. Some banks allow the mortgagor to be under 80 years old, and some banks * * * borrow from 18-75 years old. The younger you are, the more banks you can choose.

2, good credit, non-credit white households. If the borrower is married, the mortgage needs to be checked by both husband and wife (whether the spouse is on the real estate license). It is required that the loan application has no serious bad credit record in the past two years, and the amount and number of credit loans under the name are limited;

3. To prove the repayment ability, the borrower should provide the income certificate and personal running water for nearly six months, which covers the monthly payment to some extent;

4. The borrower is not involved in litigation or has the possibility of being sued, and is not a faithless person;

5. If you apply for an operating mortgage loan, there are also restrictions on the industries that the borrower is engaged in, such as financial practitioners and public security law, which will be the focus of the bank;

6. The purpose of the loan is clear, and proof of use is required;

7. Meet other conditions stipulated by the bank.

Basic requirements for mortgaged property:

1, the house age is less than 20 years, the loan application amount is high, the interest rate is low, it is easy to approve, and there are many choices for banks. Some banks can also handle real estate within 30 years, and only a few banks can handle real estate for more than 30 years, with higher requirements. Accept the property with a maximum age of 40 years;

2. Mortgagable properties include houses, villas (generally 60%), factories/offices/shops (generally 50%) under the name of individuals or companies, with houses being the most common (up to 80%);

3. It's an existing house, not an auction house. Hold the property right certificate, the property right of the house is clear, and there is no property right dispute;

4. It can be circulated in the market, without restrictions on sales, not included in the urban demolition and transformation and cultural relics protection planning, and the house has not been sealed up or illegally built.