Requirements for handling real estate mortgage:

One. housing need

(a) the property rights of the house shall be clear, meet the conditions for listing and trading stipulated by the state, and can enter the real estate market without any other mortgage;

(two) the age of the house (calculated from the date of completion of the house) and the loan period can not exceed 40 years;

(three) the mortgaged house is not included in the local urban transformation and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department;

Two. Lender's requirements

China citizens who have permanent residence in China, permanent residence in local towns (or valid certificates), have full capacity for civil conduct and meet the following conditions can apply for individual comprehensive consumption loans.

1, has a proper occupation and a stable source of income, and has the ability to repay the loan principal and interest on schedule;

2. No illegal acts and bad credit records;

3. 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;

4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;

5. Other conditions stipulated by the bank.

Extended data:

Application materials for real estate mortgage loan

1, real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage the bank loan)

2. Identity cards of the obligee and his spouse

3, the obligee and spouse's household registration book

4. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. )

5. If the property owner has minor children, please provide birth certificate.

6. If the property still has a bank loan, please provide the original loan contract and the last bank statement.

7. In order to improve the pass rate of mortgage loans, please provide as many other family property certificates as possible (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).

Baidu encyclopedia-housing mortgage loan