Legal analysis: 1. The actual age of the loan maturity date is generally not more than 65 years old. 2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule. 3. Willing and able to provide real estate mortgage approved by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.

Legal basis: Article 395 of the Civil Law of People's Republic of China (PRC), the following properties that the debtor or a third party has the right to dispose of can be mortgaged: (1) buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together.