Conditions and process of housing mortgage loan

I. Conditions of housing mortgage loan:

1. Applicant 18 years old or above, with good credit information and full capacity for civil conduct.

2. The lender has a stable job and address in the local area, the borrower's enterprise has been established for 3 months, and the applicant has no overdue records.

3. Proof of the ownership of the collateral can be provided, and the mortgage loan can be repaid for up to 20 years and 30 months.

4. The housing age of suburban buildings is less than 25 years, the housing age of urban six districts is less than 40 years, and the housing age of high-quality lots is less than 50 years.

Second, the housing mortgage loan process:

1. If you choose a loan bank, you can apply at the bank's official website or offline outlets, prepare the materials needed for the loan and fill out the loan application form.

2. Collateral evaluation: A professional tripartite evaluation agency conducts on-the-spot investigation and evaluation of mortgaged houses.

3. Sign a contract and go through the mortgage registration formalities.

Personal experience sharing: when applying for housing mortgage loan, you need to know your credit record and repayment ability, choose a formal and reputable loan bank, and know its loan policy and interest rate level. When filling in the application form, provide true and complete information, and pay attention to protecting personal privacy and information security.