Housing mortgage bank loan is a kind of loan provided by the bank to ensure the safety of the loan, with the borrower's real estate, securities and other documents as collateral and obtain the lien and pledge of the borrower's property according to law. To apply for mortgage loans from banks or other financial institutions, you need a stable source of income, the purpose of the loan must be clear, and it cannot be used for things prohibited by laws and regulations.

Housing mortgage loan requirements:

(1) Age of the property.

At present, banking institutions have certain requirements for the mortgage period of real estate. Most banks will require a 20-year lease, and some will even be as long as 25 years. The maximum age requirement is 30. In other words, if the house is more than 30 years old, the housing bank will not accept pawn loans.

② Age requirements of the borrower

Most banks require borrowers to be under 60 years old and mortgagor to be under 65 years old. Banks don't accept applications over this age.

③ Requirements of credit report

The requirement for banks to handle real estate mortgage loans is that the number of credit reports in the past two years cannot be three or six, that is, it cannot last for 90 consecutive days, and the total number cannot exceed six.

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