? Conditions for mortgaging the real estate according to the loan provisions: the property right of the house is clear, it meets the prescribed listing and trading conditions, and it can enter the real estate market without any other mortgage. The age of the house plus the loan period shall not exceed 20 years. The mortgaged property is not included in the urban reconstruction and demolition planning, and there are real estate licenses and land certificates issued by the real estate department and the land management department. The owner of the collateral can be the borrower himself or others.
If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
In addition, natural persons with full capacity for civil conduct are required, and the maturity date of the loan is generally under 65 years old; Having permanent residence and permanent residence in this Municipality; Have a proper occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on time.