1. The property right of the 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 mortgage;

2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;

3. 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;

Two. Requirements of the lender

China citizens who have a fixed residence in China, a fixed residence in a local town (or a valid certificate), have full capacity for civil conduct and meet the following conditions may apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable income source, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

Extended data

Mortgage form

Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:

1. The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;

2. The creditor's rights secured by the maximum mortgage are usually future creditor's rights;

3. The maximum amount of mortgage must be reserved for the burden exceeding the maximum amount;

4. The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.

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