Mortgage application conditions: 1. The borrower must be between 18 and 65 years old and hold valid identity documents. 2. The borrower has stable and legal income and certain repayment ability; Personal credit is good. 3. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the loan bank. 4. I have paid more than 30% of the total house price, and if I buy a house with the provident fund, I can pay more than 20%. 5. Meet other conditions stipulated by the lending bank. Mortgage procedures: 1. Apply. Prepare loan materials, generally including ID card, household registration book, work certificate, bank account number, marriage certificate and other originals and copies. 2. Bank review and approval. After determining that it has the repayment ability, it decides to grant the loan to the applicant and send the loan approval notice to the applicant. At this time, it is necessary to sign a formal loan contract with the bank. If the loan involves mortgage and other guarantees, a guarantee contract should also be signed at the same time. 3. After completion, the bank lends money and the lender repays it.

Legal basis:

People's Republic of China (PRC) Commercial Bank Law

Article 36 stipulates that the borrower shall provide guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.

Article 37 stipulates that a commercial bank shall conclude a written contract with the borrower when issuing loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.