Mortgage loan generally refers to real estate mortgage loan. To apply for real estate mortgage loan, the following conditions must be met:

1. The actual age of the lender at the loan maturity date is generally no more than 65 years old.

2. The lender has a legitimate occupation and a stable source of income, and has the ability to repay the loan principal and interest on schedule.

3. Willing and able to provide real estate mortgage recognized by the lender; The real estate * * * has been recognized for its loan and guarantee behavior, and is willing to bear relevant legal responsibilities.

If you need capital turnover, I recommend that you have money to spend. It is a credit brand of Xiaoman Finance, which was originally owned by Baidu Finance. It mainly provides consumer loan services for ordinary users. The age requirement for application is 18-55 years old, but college students are not allowed to apply. The maximum amount of application is 2, yuan. The fastest time for approval in 3 seconds and one minute can be said to be very fast, and the daily interest rate is as low as .2%.

Degree Xiaoman-Money Spend (second batch) Click online to measure the amount

The application threshold for Baidu Money Spend is relatively low, as long as the user is between 22 and 55 years old, has registered a Baidu account and has good personal credit, he can apply. Judging from the feedback from netizens, the audit with money spent is relatively easy to pass. If you don't meet the loan conditions, such as under 22 years old and over 55 years old, bad personal credit, high debt ratio, etc., you can't pass the system audit at this time.

4. The property right of the mortgaged house should be clear and meet the listing and trading conditions stipulated by the state.

5. The mortgaged house is not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by the real estate department and the land management department.

6. The owner of the collateral can be the borrower himself or others.

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

after the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money to pay 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.

mortgage and unsecured

1. In terms of the nature of loans, unsecured loans are credit loans, and mortgage loans are guaranteed (or guaranteed) loans;

second, in terms of loan interest rate, the interest rate of unsecured loans will be much higher than that of mortgage loans. The general interest rate will be 2-3 times that of mortgage.

third, in terms of loan life, the life of unsecured loans is relatively short, generally not more than three years. The term of mortgage loan can be long or short, one year or as long as 2 years. The repayment pressure is small.

fourth, in terms of loan amount: the unsecured loan amount is generally relatively small, and it is judged according to the lender's salary, running water and liabilities. So as to determine the loan amount.

Mortgage loan mainly determines the loan amount according to the value of collateral. If the loan amount is relatively large, the lender's repayment ability should also be considered.

5. In terms of the time for issuing loans, the time for approving unsecured loans is short, and loans can be obtained in 3-5 days. It takes 2-3 weeks for the mortgage loan to be approved-mortgage registration-lending.