Housing mortgage loan conditions:

Housing property rights should be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market for trading without other mortgage; Age of the house (calculated from the date of completion of the house)+loan period not exceeding 40 years; Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others.

If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor and his spouse or other property owners to sign the materials that the lender needs to submit.

Extended data:

Prepared materials

First, the existing housing mortgage loan

1, real estate mortgage contract (signed by both husband and wife);

2. Real estate license;

3. Copy of land use right certificate (original inspection);

4. A real estate appraisal report issued by a qualified appraisal agency;

5. Bank loan contract;

6. Proof of the relationship between husband and wife and a copy of the ID cards of both parties (original inspection), and a certificate issued by the civil affairs department where the household registration is located for singles.

Second, faster mortgage.

1. Purchase pre-sale contract;

2. Sign a house purchase loan contract with the bank;

3. Copy of the house purchase prepayment receipt (original inspection);

4, a copy of the marriage certificate of husband and wife (the original inspection), the single certificate issued by the civil affairs department where the account is located.

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