Banks that can handle real estate licenses as mortgage loans: China Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies.
1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.
2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.
3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.
4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.
Private loan companies, as a supplement to the bank's real estate mortgage loan business, can meet the needs of friends who have no bank threshold and need money urgently. In terms of loan threshold and processing speed, private loan companies are far superior to banks.
Requirements of real estate mortgage loan for real estate;
1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
Requirements of real estate mortgage loans to borrowers:
1. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;
2. No illegal acts and bad credit records;
3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
Other conditions stipulated by the bank.
1. Application materials for real estate mortgage loan:
2. Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);
3. Identity cards of the obligee and his spouse;
4. Household register of the obligee and spouse;
5. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. ); 6. If the owner of the real estate license has minor children, please provide a birth certificate;
7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )
Second, I want to use the real estate license as a mortgage loan. Who knows which bank can handle it?
Banks that can apply for real estate licenses as mortgage loans: Industrial and Commercial Bank of China, China Merchants Bank and private loan companies.
1, personal property mortgage revolving loan of China Bank. It is not difficult to see that this product is a one-time application, which can be recycled and has the characteristics of borrowing and repaying loans. Especially suitable for people who pursue "short, frequent and fast".
2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.
3. ICBC's personal business loan is the most time-saving: ICBC is slightly better, and the loan can be granted within 5 working days at the earliest. ICBC's real estate mortgage loan is also widely used.
4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.
5. As a supplement to the business, private loan companies can meet the needs of those who have not applied for the bank threshold and are in urgent need of money. In terms of speed, private loans are public.
Requirements of real estate mortgage loan for real estate;
1., which meets the listing and trading conditions stipulated by the state and can enter the real estate market.
2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
Requirements of real estate mortgage loans to borrowers:
1. Have a proper occupation and the ability to repay the loan principal and interest on schedule;
Record;
3. It can provide effective pledge guarantee of rights recognized by the Bank or a third-party guarantee that can guarantee or has compensatory ability.
4. The personal settlement account designated by the personal settlement account of Industrial and Commercial Bank of China shall be opened to deduct the loan.
Other conditions stipulated by the bank.
1. Apply for real estate mortgage loan
2. Real estate license (house mortgage should be mortgaged to the bank)
3. Identity cards of the obligee and his spouse;
4.
5. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. The success of bank loans. ); 6. If the owner of the real estate license has minor children, please provide a birth certificate;
7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )