If the debt is too high to apply for a mortgage, the bank will think that the borrower has no repayment ability.

The conditions for mortgage loan are as follows:

1,18-a natural person aged 65;

2. Hold a valid ID card;

3. Good credit information and no bad records;

4. Have a stable job and a stable income;

5. Commercial housing sales contract or letter of intent with the purchased house;

6. Have the ability to pay the down payment of the purchased house;

7. Open a personal settlement account in a bank with effective guarantee;

8. Other conditions stipulated by the bank.