Real estate mortgage loan and interest rate:
As long as the age of the house is not more than 20 years, you can apply for a personal housing mortgage loan!
Application materials for real estate mortgage loan:
(1) Property Ownership Certificate
(two) the identity card of the obligee and his spouse.
(three) the household registration book of the obligee and his spouse
(4) Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau)
(5) proof of income
(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 loan pass rate, please try to provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.). ).
Housing mortgage loan conditions require that the service life of the house be within 20 years; The housing area should be more than 60 square meters; The appraised house price should exceed 6.5438+0 million, and your loan amount should be at least 500,000, so you need a spare house.
2. What are the rules for mortgage bank loans in Wuxi?
You can try to apply for personal mortgage loan through our bank (generally using real estate as collateral).
The required conditions, application materials and handling procedures of each loan project are different. For details, please call the customer service hotline or contact the personal loan department of the outlet. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.
3. How to handle Wuxi real estate mortgage loan?
How to handle Wuxi real estate mortgage loan; Handle the real estate mortgage loan process. . .
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Go to the designated institution of the bank to evaluate the real estate;
4. In front of the bank;
5. Bank filing and approval;
6. Approve the next batch of loan letters;
7. Go to the local construction committee for mortgage registration, and the construction committee will issue his right certificate;
8. About the number of branches;
9. Bank loans;
10. Post-lending review of banks;
Generally, it takes 15-20 working days to lend money. (If there is a relationship, you can receive the money in 10- 15 days. )
4. What are the rules for mortgage bank loans in Wuxi?
You can try to apply for personal mortgage loan through our bank (generally using real estate as collateral).
The required conditions, application materials and handling procedures of each loan project are different. For details, please call the customer service hotline or contact the personal loan department of the outlet. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.