1, (1) A natural person with full capacity for civil conduct, aged between 18 and 65; Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;

(2) Having legal and valid identity certificates, household registration certificates and marriage and marital status certificates;

(3) Have a good credit record and willingness to repay;

(4) Have a stable source of income and the ability to repay the principal and interest in full and on time;

(5) Providing legal, effective and reliable house mortgage recognized by the bank;

(6) Opening a personal settlement account in a bank;

(seven) other provisions stipulated by the bank.

2. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Second, does the mortgage loan of real estate license need the signature of husband and wife?

1, mortgage bank loans need to be signed by both husband and wife. When handling mortgage loans, the property owner and his spouse are required to sign, because it involves the distribution of husband and wife's property. At the same time, the house after marriage is the same as the real estate loan, and it is also the same as the debt. Both husband and wife are responsible for repayment, so both parties need to sign.

The house belongs to both husband and wife, so both parties have the same right to dispose of it, and neither party can claim rights on behalf of the other. Therefore, if you want to mortgage the property jointly owned by husband and wife, you must get the written consent of someone. If you buy a house after marriage, then the house belongs to the joint property of husband and wife. You need both husband and wife to be present before you can sign an iou or buy or sell, otherwise you can't do the transaction.

3. From the process of mortgage loan processing, it is difficult to successfully handle this business without the consent of either party. Real estate mortgage loan is a mortgage loan provided by banks or other financial institutions with real estate or real estate as material guarantee for repayment. It is the main form of real estate credit business and occupies an important position in loan business.