1. Property nature: The property must be a legal second-hand house with complete property ownership certificate.

2. Property owner: the loan applicant must be the legal owner of the property or have the legal right to use the property.

3. Loan amount: The loan amount is generally related to the market value of the house, and usually the bank will determine the loan amount according to a certain proportion of the house value.

4. Loan term: Generally, the loan term ranges from 5 years to 20 years, which is determined according to the borrower's repayment ability and bank policy.

5. Repayment source: The borrower should provide a stable source of repayment, such as salary income and investment income, and can prove its repayment ability.

6. Credit record: The borrower's credit status should be good, and there is no significant overdue record or bad credit record. The bank will evaluate the borrower's credit status through credit inquiry.

In addition, according to the requirements provided, the supplementary explanation on overdue online loans is as follows:

Banks will also check the borrower's credit record when handling second-hand housing mortgage loans. In the credit market, whether the online loan is overdue or other loans overdue, it will have an impact on personal credit. Even if the online loan is overdue, many banks will use big data for evaluation when approving the loan, so the borrower's overdue record may affect the handling of bank loans and credit cards in the future. In order to avoid such problems, borrowers are advised to keep good repayment records and improve their personal credit.