1. The lender has legal status; The lender can repay the loan principal and interest in full and on time; The lender has a stable economic income and occupation, and has a good credit record;

2. The lender has a legal and effective purchase contract or agreement and other relevant documents required by the loan bank; The Lender has self-raised funds of more than 30% of the house purchase price, and guarantees that the funds will be used to pay the down payment for the house purchase;

3. The lender has an asset mortgage or pledge recognized by the loan bank, or (and) a legal person, other economic organization or natural person with sufficient compensation capacity as the guarantor; Other conditions stipulated by the lending bank.

1. The mortgage procedures are as follows:

1, the procedures for commercial loans will be simpler. As long as the lending bank confirms that the lender has the ability to repay, then the lender can handle commercial loans. Only the loan interest rate of commercial loans will be higher than the loan interest rate of housing provident fund;

2. If the lender is a local resident, it is necessary to provide proof of local household registration, and there must be a guarantor who meets the guarantee conditions of this Municipality;

3. The procedures of provident fund loans will be more complicated, but the interest rate of provident fund loans will be lower, so it will be more cost-effective to use provident fund loans, but the procedures will be relatively more;

4. Housing provident fund needs to provide local accounts. If it is not a local account, then the lender needs to move the account. However, the provident fund policy in some places has been relaxed, and the provident fund in different places can also be used. However, the local provident fund management center should be consulted in advance for specific matters, because some provident funds have not completely relaxed their policies and need to understand the relevant regulations;

5. If the lender is married and wants to write the names of both husband and wife on the real estate license, it is necessary to provide the original and photocopy of the ID card, credit information and marriage certificate of both husband and wife. These are what the lender needs to prepare, and the rest of the seller will help you.

Second, the mortgage process is as follows:

1. Sign a house purchase contract with the developer; At this time, it is necessary to check whether the developer has "five certificates": State-owned Land Use Certificate, Construction Land Planning Permit, Construction Project Planning Permit, Housing Construction Permit and Commercial Housing Sales (Pre-sale) Permit;

2. Pay the down payment, and pay attention to keeping the receipt of the down payment;

3. Fill in the personal housing loan application form in the bank; Developers will generally sign cooperation agreements with one or several banks, and it will be more convenient to handle mortgage loan agreements with banks that have agreements with developers. Bring down payment receipt and personal housing loan application form of commercial housing sales contract;

4. Banks review mortgage applications; The bank's credit staff will review and approve the materials submitted by the applicant step by step. If it is considered to meet the conditions of bank loans, the applicant shall be notified to sign a personal housing mortgage loan contract, and the contract period shall not exceed 30 years.

5. Go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank. Go to the notary department for notarization of property right mortgage. Go to the insurance company for home insurance;

6. Open an account; Customers who choose entrusted deduction for repayment need to sign an entrusted deduction agreement with the bank, and open a special savings passbook account, savings card or credit card account for repayment at the business outlets designated by the lending bank. At the same time, the seller shall open a settlement account or deposit account with the loan bank;

7. Recover the loan; With the consent of the lending bank, the lending bank will directly transfer the loan to the deposit account opened by the borrower in the lending bank, or transfer it to the deposit account opened by the seller in one lump sum or by stages according to the loan contract;

8. Repay as agreed; The borrower must repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract, otherwise the bank can recover the house according to law;

9. Repaying the loan; After the loan principal and interest are settled, the mortgage registration is cancelled, and the buyer becomes the real owner of the house.

To sum up, mortgage generally refers to housing loans. Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled out by the buyer to the loan bank, providing identification cards, income certificates, housing sales contracts, guarantees and other supporting documents that must be submitted according to legal documents. After passing the examination, the lending bank promises a loan to the buyer.

Legal basis:

Article 18 of the Interim Measures for the Administration of Personal Loans

The loan review should comprehensively review the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of the investigators and the borrower's repayment ability, integrity, guarantee, mortgage (pledge) ratio and risk degree.

Article 20

Lenders should, according to the principle of prudence, improve the authorization management system, standardize the examination and approval operation process, clarify the loan examination and approval authority, implement the separation of loan examination and approval, and ensure that loan examination and approval personnel independently examine and approve loans according to authorization.