Consumer loans include unsecured consumer loans and mortgage consumer loans. Unsecured consumer loans generally require high personal income and credit conditions, but the amount is low. If you want to apply for a large consumer loan, you generally need to use a house mortgage. Then, what conditions do Shanghai housing mortgage consumer loans need? Shanghai housing mortgage consumer loans need two conditions, one is the borrower and the other is the housing provided by the borrower. borrower's conditions: the loan conditions that the borrower of Shanghai housing mortgage consumer loan needs to meet: 1. The age requirement is 18-65 years old; 2. Have a stable job and income; 3. Good credit record.

Conditions of mortgaged house 1. Age requirements: the longest age of the house shall not exceed 2 years; 2. Valuation requirements: not less than 1 million; 3. Location of collateral: Shanghai urban area; 4. Types of collateral: ordinary houses, villas, office buildings, etc. Different banks in Shanghai have different additional conditions for mortgage loans for housing consumption. For example, the personal consumption mortgage loan of Guangfa Bank has requirements on the area of the house, and it is required to be at least 7 square meters. Specifically, you can consult the loan bank. Expand the conditions, which houses can't be mortgaged, what are the additional costs of mortgage loans, and how about mortgage loans of CITIC Bank?