1. The borrower can provide valid identification documents.
2. The borrower can provide valid proof of residence, such as residence permit.
3. The borrower has a stable occupation and income.
4. The borrower is over 18 years old and has full capacity for civil conduct.
5. The borrower is able to repay the loan.
6. The borrower implements the mortgage guarantee conditions.
Extended data:
A, real estate mortgage generally need to meet the following conditions:
1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;
2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status;
3. Have good information records and willingness to repay;
4. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
5. The property right of the mortgaged house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgages. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments;
6. Have the ability to pay the down payment of the purchased house; If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
7. The borrower has a legal and effective purchase contract or agreement;
8. There is an effective guarantee recognized by the lender.
Second, what conditions do you need to meet for car mortgage?
1, age 18, with full capacity for civil conduct;
2. China citizens who have a fixed residence in China and have lived and worked in China for a long time and have the ownership of local mortgaged vehicles;
3 have a stable job and economic income, and can guarantee the repayment of loan principal and interest on schedule;
4. Personal credit is good, and there are no bad credit records such as overdue and cashing in the credit report.