Real estate mortgage loan conditions:

1,18-a natural person aged 65;

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. There is no illegal act;

4. Good credit information and bad credit records;

5. 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;

6. Open a personal settlement account of the bank, and agree that the bank will deduct the loan principal and interest from the personal settlement account designated by it;

7. The property right of the house is clear and meets the listing and trading conditions stipulated by the state.

Extended data:

Basic classification of secured loans:

According to the different ways of guarantee, it can be divided into: guarantee, mortgage and pledge (deposit lien is rarely used)

1. Guaranteed loan: refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), with the promise that the borrower will bear joint and several liabilities according to the agreement if it fails to repay the loan on time.

2. Mortgaged loan: refers to the loan granted with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC).

3. Pledged loan: refers to the loan issued with the movable property or rights of the borrower or a third party as pledge according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC).

According to the loan term, it is divided into short-term loans, medium-term loans and long-term loans. The specific division method is the same as the corresponding terms of credit lending.

Baidu encyclopedia-guaranteed loan