1. The borrower must be at least 18 years old and have full capacity for civil rights and civil conduct;

2. The borrower must be a citizen of China or have a legal residence, a stable source of income and a good credit record;

3. The property must be legally owned by the borrower, with full mortgage value and unlimited guarantee (if there is no mortgage, there is other bank mortgage);

4. The borrower's debt level must meet the requirements of Ping An Bank, and there shall be no record of tax arrears;

5. The materials that the borrower needs to provide include ID card, household registration book, income certificate, real estate license, mortgage contract, etc.

The above are the requirements of Ping An Bank's real estate mortgage loan. In particular, borrowers are reminded to pay attention to their credit status before applying for loans, and try to avoid frequent application and operation of loans, so as not to increase personal credit risk. In addition, borrowers are advised to check their personal credit report in advance to understand their credit status, so as to better apply for loans.