How high is the bank’s review threshold for housing loans? Thirteen of the 16 domestic banks are commercial banks, and 11 of them can provide housing loans. The conditions of these 11 banks are different, and it is very important to understand these banks before lending. For banks, there are corresponding thresholds for customers to apply for loans. Generally speaking, banks provide loans to people over 18 years old and under 60 years old. Some banks stipulate that the loan cannot be over 60 years old when it matures. There are also restrictions on household registration. In some places, if you want to apply for a loan if you do not have a local household registration, the requirements are more stringent. Both the application approval rate and the loan amount will be subject to certain restrictions. The situation in Kunming, judging from our actual operations, does not seem to be too obvious. The most critical point is the bank's review of the income status, which is often referred to as the credit status of the bank. The amount and stability of the income are the focus of the bank's review. The higher your income, the more likely you are to successfully apply for a loan. According to operational experience, one of the most common aspects of applying for a mortgage loan is the authenticity of the applicant’s income and credit record. Some customers lie about their income due to limited funds. Once discovered by the bank during review, it is basically impossible to apply for a loan. In addition, raising one's own income inflated and borrowing beyond one's financial scope may not necessarily be a good thing for future family economic planning. First, can the bank repay the loan early? How complex is it to pay off a loan early? Will there be any liquidated damages? This is important to understand. Second, does the bank allow extension of loan period or additional mortgage? If you don’t consider this when applying, it will be more troublesome when you want to make changes. Third, can the house be remortgaged? The house was bought with a mortgage, but it has not been paid off yet. Can I sell it? If the bank does not provide remortgage services, it will be very troublesome for you to sell your house, so you should pay attention to this issue when applying for a loan.