As long as you meet the conditions, you can mortgage the loan. First of all, there is no problem with collateral, and there is no property right dispute; Secondly, there is a stable source of repayment, not necessarily a fixed job, and personal credit information should be good. To meet these requirements, you can basically lend 60-70% of the evaluation price.

Basic conditions for applying for a loan

1, a natural person with China nationality and full capacity for civil conduct;

2. Hold valid identity documents;

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

What information should be provided for real estate mortgage?

1, house ownership certificate.

2. Evaluation report.

3. Real estate mortgage bank loan contract.

4. Mortgagor's ID card (leave the ID card checked with the original).

5. Other relevant materials.

What are the advantages of mortgage purchase?

1. On the basis of installment payment, the mortgage loan solves the difficulty of raising a large amount of funds in a short period of time, and breaks down a large amount of funds into long-term small funds to repay the loan.

2. The down payment of mortgage loan does not take up a lot of money, and the repayment period is long. On the one hand, it meets the housing needs of property buyers; on the other hand, it has sufficient funds, which can be used for investment and financial management.

The bank will check it for you. Borrowing money means borrowing money from banks, which naturally care about the quality of real estate projects. In addition to auditing themselves, banks will also audit developers to check for you and improve the safety of buying houses.