Real estate mortgage loan conditions:
1, age 18-55 years old (some microfinance institutions can accept children or the elderly);
2. The general mortgage loan amount is 50~70% of the real estate assessment price (some banks may increase it);
3. The term of house mortgage loan is generally 1 year-10 year (a few banks can provide quality customers for up to 30 years, but the borrower cannot be over 60 years old at the end of the loan);
4. The maximum age of the house is within 20 years (a few banks can do it within 30 years, and most of them have spare rooms, which is easier to approve);
5. The loan interest rate of mortgage loan is generally10%-20% of the benchmark interest rate;
6. There is a certain source of repayment (the effective proof is mainly bank flow, and it is best that the monthly effective income is more than twice the monthly repayment amount of the mortgage);
7. Personal or business credit is good (less overdue, otherwise the bank may find an excuse to raise interest or not allocate funds);
8. At present, the types of real estate acceptable to banks include commercial housing, houses, shops, mortgage houses, second mortgages, serviced apartments, office buildings, office buildings, etc.