1. Charge customers' mortgage fees;
2. Return of bank interest. Loan conditions of mortgage loan:
Have a legal status;
Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;
There is a legal and effective purchase contract;
If the newly purchased house is used as the maximum mortgage, there must be a legal and effective purchase contract;
If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;
Can provide effective guarantee recognized by the loan bank.
Legal basis: Article 39 of the Law of People's Republic of China (PRC) Commercial Bank stipulates that commercial banks shall abide by the following provisions on the management of asset-liability ratio:
(1) The capital adequacy ratio shall not be less than 8%. (2) The ratio of the balance of current assets to the balance of current liabilities shall not be less than 25%. (3) The loan balance of the same borrower shall not exceed 10% of the capital balance of the commercial bank. (4) Other provisions of the State Council Banking Regulatory Authority on the management of asset-liability ratio.