1. The property used for mortgage and the lending institution must be located in the same city, and the mortgage loan for individual house purchase does not accept collateral from different places;
2. Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;
3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no adverse circumstances such as property rights disputes;
4. Strong mobility, intact real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management, etc., without disputes and problems, which are not within the scope of government planned demolition;
5. If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit period+house age is not more than 30 years in principle;
6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.
Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.