Mortgage loan borrowers must meet the following conditions:

Have legal status;

Have stable economic income, good credit, and be able to repay the principal and interest of the loan Ability;

Have legal and valid contracts and agreements for purchasing and overhauling housing, as well as other supporting documents required by the loan bank;

Having purchased (overhauling) housing with a total price of more than RMB 20 Self-raised funds, and guaranteed to be used to pay the down payment of the purchased (overhauled) house;

Have assets approved by the lending bank for mortgage or pledge, or (and) legal persons and other persons with sufficient repayment capacity Economic organizations or natural persons serve as guarantors;

Other conditions specified by the lending bank.

The basic process of mortgage loans is as follows:

On-site inspection: loan officers, intermediaries, appraisers, buyers and sellers go to the site where a mortgage loan is applied for and conduct an on-site inspection of the house;

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Property rights verification; The property owner and the most authoritative person (seller) bring the original ID card and the original real estate certificate to the housing management bureau to submit the original ID card and the original house book for verification and go through relevant procedures. ;

Signing the contract: The bank carefully checks and verifies the original information of the customer, identifies the authenticity of all signatories, supervises the customer's signature, collects the original real estate certificate and deposit (the specific amount is determined by the buyer and seller), and copies the information , reminding both parties to open an account with the bank;

Fill in the contract: The bank compiles the information and fills in the contract based on the relevant information provided by the customer;

Payment obligations: After the bank collects fees and passes the pre-examination, it will notify The customer pays the fee;

Property rights transfer: The buyer and seller handle the property rights transfer procedures with the help of the Housing Authority; the lender prepares relevant materials and goes to the bank to handle the mortgage procedures;

The bank lends money.