1, legal identity is required;

2, need to have a stable economic income and the ability to repay loans and principal and interest, and no bad credit record;

3. Need to have a legal and effective purchase contract;

4. If the newly purchased house is used as high mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid; ;

5. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years;

6. Being able to provide effective guarantee recognized by the loan bank;

7. Other conditions stipulated by the lending bank.

8. The collateral of mortgage loan is your house;

9. You need to have a regular job to repay the loan;

10, find more commercial banks such as China Merchants Bank and Development Bank, which may have lower requirements for your income threshold;

1 1. The loan amount is 50% of the amount assessed by the bank. The appraisal is conducted by an appraisal company designated by the bank. The appraisal value is generated according to the age of your house, ancillary facilities, the degree of residential projects and other related factors. Generally, the appraisal price will be lower than the market price of the house, because banks should control risks.