1, 18 to 60, a natural person with full capacity for civil conduct;

2. Have a stable occupation and income, good credit and repayment ability;

3. In addition to real estate, there must be business premises and a business license for more than 3 months.

Article 35 of the Guarantee Law stipulates that the following properties can be mortgaged:

1. Houses and other fixed objects on the ground owned by the Mortgagor;

2. Machines, means of transport and other property owned by the mortgagor;

State-owned land use rights, houses and other fixed objects on the ground that the mortgagor has the right to dispose of according to law;

State-owned machinery, vehicles and other property that the mortgagor has the right to dispose of according to law;

Five: the land use right of barren hills, gullies, hills and beaches contracted by the mortgagor according to law and mortgaged with the consent of the employer;

This year, it is specially stipulated that factories, commercial and residential buildings and shops can also be mortgaged.

What are the mortgage loan conditions of the four major banks of agriculture, industry and construction in China? No matter which bank we apply for a loan from, we must first have a good and stable source of personal credit information. After confirming that these two basic conditions are met, let's take a look at the mortgage conditions of China Bank, Agricultural Bank, Industrial and Commercial Bank and China Construction Bank.

1. What are the mortgage terms of China Bank?

(1) has permanent residence or valid residence status in China;

(two) have a stable professional and economic income, good credit, the ability to repay the principal and interest of the loan;

(3) A house purchase contract or agreement has been signed;

(4) Pay the down payment that meets relevant regulatory requirements;

(5) Provide effective guarantee recognized by the lender;

2. What are the conditions for ABC's real estate mortgage loan?

(1) The lender is required to be at the age of 18-60 and in good health;

(2) The lender should have a proper occupation and a stable economic income;

(3) The lender can repay the principal and interest of the loan in the near future and has a good credit (if the loan is used for consumption, the credit score is above 600 points; If the loan is used for business, the credit score is above 485);

(four) to provide qualified housing and commercial and residential housing as collateral; Or factories, shops, etc.

(5) Agree to apply for a bank card or passbook in the Agricultural Bank, and entrust the Agricultural Bank to deduct the principal and interest of each loan.

3. What are the conditions of ICBC's real estate mortgage loan?

(1) A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); If the borrower is a foreigner and a resident of Hong Kong, Macao and Taiwan, he shall have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;

(2) Having legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate (or unmarried statement)

(three) a stable source of income and the ability to repay the principal and interest of the loan in full and on time;

(4) Have a good credit record.

(5) There is a clear and legal loan purpose, and the real estate mortgage loan of ICBC requires that the loan funds shall not flow into the securities and futures market in any form, which is a speculative investment;

(6) To provide reliable mortgage loans recognized by banks;

(7) Opening a personal settlement account in China Industrial and Commercial Bank.

5. What are the conditions for CCB's real estate mortgage loan?

(1) has legal status;

(2) Have a stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

(3) Having a legal and valid property right certificate;

(4) If the newly purchased house is used as the maximum mortgage, it is required that the real estate license has been obtained and the age of the house is within 10 years.

(1) It can provide effective liabilities recognized by the lending bank.

The above introduces you to the relevant contents of the mortgage conditions of the four major state-owned banks. We can see that no matter which loan you make, you need a good credit reference.

Therefore, we must cherish our credit records in life, so that we can get loans smoothly when we need funds.

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