"The mortgage refers to a loan form of the borrower pledged to the loan institution by the borrower by pledged the real estate or land such as real estate, land, etc. Therefore, it is widely used in terms of buying houses, business operations, and personal consumption.

The license to mortgage loans needs to meet the following conditions:

Have a stable source of income and good credit records. This shows that the borrower can repay the loan on time and be able to pay interest and other related expenses.

Have enough real estate or property assets. The borrower needs to have enough real estate or real estate pledge so that the loan institution has sufficient guarantees to ensure the safety of the loan.

Buying or owned real estate or real estate has market value. Loan agencies need to ensure that the guarantee has sufficient market value so that the borrower cannot be realized by auction or other ways when the borrower cannot repay the loan on time.

Comply with the requirements of relevant laws and regulations. Loan agencies need to strictly abide by relevant laws and regulations to ensure the legitimacy and security of loans.

Other additional conditions. According to the situation of different loan institutions and borrowers, other specific conditions may be required, such as providing guarantors or insurance.

In summary, the license to mortgage loans requires the borrower to have good credit records and stable income sources. At the same time, it is necessary to have enough real estate or real estate as a guarantee, and meet the requirements of relevant laws and regulations. "