Invalid.

Loan conditions for mortgage loans:

Have legal status;

Have stable economic income, the ability to repay the principal and interest of the loan, and no bad credit record;

Have a legal and valid house purchase contract;

If you use the newly purchased house as the maximum mortgage, you must have a legal and valid house purchase contract, the house must be less than 10 years old, and have or A down payment of no less than 30% of the total price of the house purchased has been paid; if a house has been purchased and a mortgage loan has been applied for, the mortgage loan of the original house has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and it is used as The mortgaged house has obtained a house ownership certificate and is less than 10 years old;

Be able to provide an effective guarantee recognized by the lending bank;

Other conditions stipulated by the lending bank.