Trademarks and copyrights cannot be mortgaged, and banks' requirements for collateral are characterized by clear property rights and easy realization of sufficient value, while copyrights cannot be mortgaged;

1. Application conditions for house mortgage:

1. Nature of the house; Houses, office buildings, villas, commercial houses, cost houses, and affordable housing (with strict requirements on affordable housing) with clear property rights within 2 years

2. Mortgagor (with normal age of 18-65 years old) and sound health

3. Mortgagor shall not be involved in credit investigation for nearly 24 months 6

4. Mortgagor can prove repayment sources and other assets (two sets of large time certificates of deposit) Funds, etc.)

5. The actual use of funds is clear

2. Preparation materials:

1. Original and photocopy of ID card and household registration book of the borrower and spouse (if a single person needs a single certificate)

2. Proof and photocopy of the borrower's marital status

3. Certificate and photocopy of family property and car ownership, Other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate)

4. Statement of personal main bank account for nearly 6 to 12 months (stamped with banking business seal)

5. Income certificate of work unit

6. Proof materials such as family private loan

7. Evaluation report

3. Process of house mortgage loan: < p