Yes

Conditions that need to be met to use a house as a mortgage loan

1. Conditions met by the lender:

1. First of all , a natural person with full capacity for civil conduct, whose actual age on the loan maturity date is generally not more than 65 years old;

2. Secondly, he must have a permanent residence in the locality and a fixed residence; he must have a legitimate occupation and stable sources of income and the ability to repay the principal and interest of the loan on time;

3. Third, be willing and able to provide a real estate mortgage approved by the lender;

4. Fourth, the real estate** *Some people recognize their borrowing and guarantee behaviors and are willing to assume relevant legal responsibilities.

2. Conditions for the mortgaged property:

1. The property rights of the house must be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage. ; The age of the house (calculated from the date of completion of the house) and the loan term shall not exceed 40 years; the mortgaged house is not included in the local urban reconstruction and demolition plan, and has a real estate certificate and land certificate issued by the real estate department and the land management department; the owner of the mortgage It can be the borrower himself or another person.

2. If a property owned by another person is used as a mortgage, the mortgagor must issue a written commitment agreeing to the borrower’s application for a loan using the property as a mortgage, and require the mortgagor and his/her spouse or other property owners to The authorized person signs the materials that the lender needs to submit.

As long as the above conditions are met, you can get a loan

1. Loan (electronic IOU credit loan) is simply understood as borrowing money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest the concentrated currency and monetary funds through loans, which can meet the needs of supplementary funds for the expansion of reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase the bank's own accumulation

2. Principles The "Three Principles" refer to safety, liquidity and efficiency, which are the fundamental principles for commercial bank loan operations. Article 4 of the "Commercial Bank Law of the People's Republic of China" stipulates: "Commercial banks shall take safety, liquidity and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined period or to liquidate them quickly without loss, satisfying customers The need to withdraw deposits at any time;

3. Efficiency is the basis for the bank's continued operations. For example, when issuing long-term loans, the interest rate is higher than that of short-term loans, which is good for efficiency. However, if the loan period is long, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony between the "three natures" so that there will be no problems with loans.