1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old;

2. Have permanent residence and fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. Willing and able to provide real estate mortgage approved by the lender;

4. The co-owner of the property recognizes the relevant loan and guarantee behavior, and is willing to bear relevant legal responsibilities.

The process of handling loans:

1. Handling existing home mortgage loan: First, the borrower needs to find an appraisal agency to evaluate the value of the property and obtain the real estate appraisal report issued by the appraisal agency. Secondly, both husband and wife were present to submit the above information and sign a real estate mortgage contract. Third, the borrower signs a loan contract with the bank. Fourth, the bank issues loans after approval. Finally, the borrower repays the loan in installments or at one time, cancels the mortgage of the property and gets back the property certificate.

2. Mortgage for faster housing: The borrower signs a house purchase loan contract at the bank with the pre-sale contract, the original and photocopy of the house advance payment receipt and the original and photocopy of the marriage certificate of husband and wife, and the loan will be issued after the approval of the bank, and then the real estate license will be given to the bank. After the borrower repays the loan, he goes to the bank to cancel the loan and get back the real estate license.

First, mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by banks in some countries. The borrower is required to provide a certain amount of collateral as a guarantee for the loan to ensure repayment when the loan expires. Collateral is generally an item that is easy to keep, wear and sell, such as securities, bills, stocks, real estate, etc.

Two, after the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and use the proceeds from the auction to repay the loan. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Third, the mortgage stipulated in the Urban Real Estate Management Law and the Guarantee Law is different from that in Hong Kong, that is, the definition of mortgage in these two laws is based on the condition of not transferring possession.

Four, personal housing commercial loans, is a kind of self-operated loans issued by bank credit funds, refers to a natural person with full capacity for civil conduct, when buying owner-occupied housing in cities and towns of this city, to buy property housing as collateral, as a guarantee to repay the loan and apply to the bank for housing commercial loans.

Five, individual housing provident fund loans, housing provident fund policy entrusted loans, refers to the workers who pay housing provident fund, when buying, building, renovating or overhauling their own houses in cities and towns of this city, with their own property houses as collateral, apply to the bank for housing provident fund loans as a guarantee for repayment of loans.