With personal housing mortgage, the maximum loan amount shall not exceed 70% of the mortgaged property value; Personal commercial housing mortgage, the maximum loan amount shall not exceed 60% of the mortgaged property value; The longest loan period is not more than 5 years, and the loan period for medical treatment and study abroad can be 8 years (including 8 years) without extension.

Housing mortgage loan is a kind of loan provided by the bank to ensure the safety of the loan. The borrower's real estate, securities and other documents can legally obtain the lien and pledge of the borrower's property through certain contracts.