Chengdu real estate mortgage loan requires the full amount of the real estate (individual companies and banks are also handling secondary mortgages). For collateral, theoretically, it is the real estate after 95 years, with non-red brick exterior walls, and the total number of floors of the house is more than 5, and the planned use is commercial or residential. Individual banks have specific requirements: for example, they must have dual certificates (real estate license and land certificate), and borrowers must be used for business and have entities. The loan applicant, under the age of 25-55, has a mortgage house in Chengdu, and has paid the same amount to the bank for more than 12 months.
Chengdu real estate mortgage loan processing flow:
1. Put forward the loan intention to the guarantee company and make a rough judgment on your loan situation through communication.
2. Submit the required information to the guarantee company, and at the same time, the guarantee company will report to the evaluation company to evaluate the collateral.
3. The guarantee company collates the information and submits it to the bank to sign the contract.
4. The bank carries out the examination and approval, then goes through the mortgage registration, obtains other rights, and finally lends money.
What are the specific requirements for applying for a mortgage loan in Chengdu?
1. The sum of the borrower's age and loan period shall not exceed 60 years old. The target of personal consumption line loan is China citizens who are over 18 years old, have no bad credit record in the banking system and have full capacity for civil conduct, and do not accept mortgage guarantee of minors' own property;
2. The minimum construction area of the mortgaged property shall not be less than 30 square meters;
3. The construction period of the mortgaged property is less than 20 years.
It should be noted that the loan interest rate will fluctuate according to the nature of the house and the mortgage interest rate on the basis of the benchmark interest rate; The mortgage loan term is 1- 10 year, and the minimum loan amount is 50,000 yuan. The maximum loan amount of mortgaged real estate shall not exceed 70% of the assessed value of collateral; Office buildings, commercial buildings and villas facing the street shall not exceed 50% of the assessed value of collateral. The repayment method is equal principal and interest.
Which banks in Chengdu can handle personal property mortgage loans?
Basically all banks will do.
hypothesis
1. A natural person with China nationality and full capacity for civil conduct.
2. Hold valid identity documents.
3. Have a stable and legal source of income.
4. Mortgaged property has real estate license, clear property rights and can be listed and circulated.
5. Other conditions stipulated by the bank.
personal data
1, ID card, household registration book and marriage certificate of the borrower and spouse.
2. Personal assets certificate (deposit, bank card running water, real estate license, motor vehicle registration certificate).
3. The second set of resettlement residence certificate (real estate license).
4. proof of income.
Extended data:
Loan procedure
1. The lender entrusts the Company to handle the loan procedures and submit the corresponding materials required for the loan;
2. Handling mortgage, pledge and pledge evaluation reports;
3. Submit the loan application form to the loan bank, sign loan contracts and various agreements, and go through notarization and insurance procedures;
4. Bank approval;
5, the real estate bureau for mortgage registration, for his right certificate;
6. The bank confirms and issues loans.
Mortgage is divided into two forms: maximum mortgage and traditional mortgage. Maximum mortgage means that the mortgagor and the mortgagee agree to use collateral to guarantee the creditor's rights that occur continuously in a certain period of time, which is a new mortgage system different from the traditional mortgage system. Compared with the traditional mortgage system, the difference lies in:
(1) The creditor's rights secured by the maximum mortgage amount are uncertain creditor's rights;
(2) The creditor's rights secured by the maximum mortgage are usually future creditor's rights;
(3) if there is a maximum mortgage, it must exceed the maximum payment;
(4) The maximum mortgage shall not be transferred with the transfer of the principal creditor's rights. Although the maximum mortgage is more independent than the traditional mortgage, it still belongs to the collateral, and its establishment mode and effect are not essentially different from the traditional mortgage.