Loan trust uses trust funds in the form of loans, which is the main form of fund trust. It is based on the principle of actual profit and dividend, and the trustee is not allowed to promise to guarantee the principal and minimum income of trust funds. It is a financial product with ever-changing advantages and disadvantages. Loan trust financial products usually adopt loan trust methods: credit loan, guaranteed loan, seller's credit, bill discount and mortgage loan.

First, the loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. Our current loan terms are:

(1) An enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, and a product with a production license for industrial products implemented by the state shall obtain a production license, that is, the loan object is legal;

(2) the implementation of independent economic accounting, with the autonomy of capital utilization, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;

(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.

Second, the conditions for applying for a loan to buy a house:

1,18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed).

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

3. The borrower's actual age plus the term shall not exceed 70 years old.

4. There are legal and effective contracts and agreements for the purchase, construction and overhaul of houses and other supporting documents required by the lending bank.

5. Self-raised funds of more than 30% of the total house price (20% for self-occupied houses with a building area of less than 90 square meters), and guaranteed to be used to pay the down payment of the purchased houses.

6. There are assets recognized by the loan bank, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as collateral.