The house can be mortgaged to the bank, but both the borrower and the house must meet the conditions stipulated by the bank, otherwise even the application will not pass the examination; For example, the house must have property rights, or clear. The lender is a natural person, and must be over 18 years old and not over 65 years old, with repayment ability and stable work.

After the borrower applies to the bank, the bank will review the borrower's credit information, housing value and other factors, give appropriate loan funds, and notify the borrower; If the borrower agrees to accept the loan, it may sign a loan contract; If not, he can only apply for a loan from another bank.