Friends who have applied for bank loans should know that mortgage loans are easier to apply than credit loans, and the amount is higher. For example, people with real estate under their names can apply for housing mortgage loans. However, mortgage loans have certain requirements for both the lender and the mortgaged property. Take the mortgage loan of Ping An Bank as an example to introduce here.

It is understood that Ping An Bank's mortgage loan is to mortgage a mortgage-backed house with full property rights to the bank in order to obtain a working capital loan.

At present, there are three types of housing-backed mortgage loans:

1, housing (ordinary housing, single-family villa);

2 commercial housing (general commercial housing and special commercial housing);

3. Commercial dual-use houses (general commercial and residential dual-use houses, business/hotel apartment houses).

If the house under the lender's name belongs to one of the above types, you can apply for the mortgage loan of Ping An Bank at any branch of Ping An Bank, provided that the relevant conditions are met and the required application materials can be provided.