1. The mortgaged property and the lending institution must be located in the same city, and personal consumption loans do not accept off-site collateral. If the collateral is commercial housing, it must also meet the corresponding requirements of personal commercial housing loans for collateral;

2. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration can be handled according to law, and there are no adverse circumstances such as property rights disputes;

3. Strong mobility, intact real estate structure, complete water, electricity, environmental protection transportation, urban construction, property management and other supporting facilities and services, no disputes and problems, not within the scope of government planned demolition;

4. If the present value of the appraised property is below 6,543,800 yuan (inclusive), the mortgage will not be accepted;

5. In principle, mortgage loans will not be accepted for houses with a house age of more than 20 years (inclusive);

6. Collateral must be appraised by a professional appraisal institution recognized by the bank.

7. Other conditions stipulated by the bank.

I suggest you contact the nearest outlet for details. You can click on map.cmbchina.com to check the latest distribution and contact numbers of our branches around the country.

(If you have any other questions, I suggest you consult "Customer Service Online" /cmu/icslogin.aspx? from = B& amp； logincmu=0。 Thank you for your attention and support! )