1. Age 18-55 years old; 2. The general mortgage loan amount is 50% to 70% of the real estate appraisal price; 3. The maximum age of the house is within 20 years (a few banks can do it within 30 years, and most of them have spare rooms, which is easier to approve); 4. The term of house mortgage loan is generally 1 year-10 year, and the longest term can reach 30 years; 5. The loan interest rate of mortgage loan is generally10%-20% of the benchmark interest rate; 6. Have a certain source of repayment; 7. Other materials, such as proof of assets; 8. Acceptable types of real estate include commercial housing, houses, shops, mortgage houses, office buildings, office buildings, etc. 9. Personal or company credit is good, and overdue cases are as few as possible. Mortgage institutions will consider three elements: 1. Considering liquidity, banks will be more strict in evaluating collateral in the future. Collateral must have good liquidity before it can be used as collateral. If it is difficult to realize and has poor liquidity, it may be rejected. For example, Xiao Zhang and Xiao Wang also applied for a mortgage loan from the bank. Xiao Zhang has a two-bedroom, one-bedroom house in the city center, with a good location and an estimated value of 654.38+0 million; Xiao Wang has a big bedroom in the suburbs, and the traffic is a little inconvenient. The valuation is 2 million. It is undoubtedly Xiao Zhang who can get the loan, because his house is relatively easy to realize, and the realization situation is very optimistic. 2. Dynamic risk assessment The bank will take a more cautious attitude towards the collateral, including taking more cautious measures on the attributes, property rights and evaluation of the collateral, and dynamically evaluating the value and risk of the collateral. 3. Consider the lender's repayment ability, and issue the loan on the premise of comprehensively evaluating the debtor's repayment ability, which means that you can get the loan without collateral in the future. Banks will evaluate borrowers' risks in many ways, and the assessment of borrowers' solvency will be stricter.

Legal objectivity:

Article 209 of the Civil Code states that the establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.