To apply for housing mortgage loan, certain conditions must be met, and the requirements of both banks and other financial institutions are exactly the same. The specific requirements are as follows:

1. The actual age of the loan maturity date is generally not more than 65 years old.

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule.

3. Willing and able to provide real estate mortgage approved by the lender; The property * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.

4. 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.

5. 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. The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.