Hello! Specific procedures for mortgage bank loans in the main urban area of Chongqing, and no intermediary service fee is charged for direct bank loans:
1. Enter
estimate
3. approve the signing of the contract
4. pledge registration.
5. Loan (according to the loanable amount of 90% of the appraised price)
There are many repayment methods to choose from. You know the annual interest rate is 4%-6%.
Second, how to handle mortgage loans in Chongqing Bank
Property mortgage requirements:
Our bank accepts things with clear property rights and strong liquidity.
The suction head must meet the following requirements
The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage loans do not accept off-site collateral.
② Real estate with appraised present value less than 654.38 million yuan (inclusive) is not accepted as collateral.
(3) The property right certificate has been completed, and the mortgage registration has been handled through the liquidation of property rights, and there are no unfavorable liquidation situations such as property rights disputes;
(4) Strong liquidity, intact real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management, etc., without problems and defects, which are not within the scope of government planning;
⑤ If the collateral is a commercial house, the age of the house is one year, and the loan/credit period plus the age of the house shall not exceed 40 years in principle; The collateral is a commercial house for 20 years, and the loan/credit period plus the age of the house shall not exceed 30 years in principle.
⑥ In principle, idle surplus materials are not accepted as collateral;
Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.
3. Is Chongqing Bank a mortgage loan?
Yes, Chongqing Bank can handle one-time and two-time settlement points. You need to meet this requirement before you can handle it. You have reached the age of 18-60, and the loan is repaid normally 1 year or above (inclusive). Have a good willingness to repay. Provide real estate mortgage approved by Chongqing Bank. The sum of the house age and the loan period shall not exceed the land use period. Meet the purpose of comprehensive consumption. The purpose of consumption does not match, and the loan is collected in advance.
4. How to apply for mortgage loan in Chongqing Bank?
Property mortgage requirements 2 1 13:
We accept 52,665,438+0 commodities with clear property rights and strong liquidity, live in Room 465,438+002, and take 65,438+0653 commercial housing as collateral.
Prompt that the following conditions must be met:
The real estate used for mortgage and the loan agency must be located in the same city, and personal mortgage loans do not accept off-site collateral.
(2) Do not accept the real estate whose appraised present value is less than 654.38 million yuan (inclusive) as collateral;
(3) The property right has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there are no unfavorable liquidation situations such as property right disputes;
(4) Strong liquidity, intact real estate structure, complete supporting facilities and services such as water, electricity, environmental protection transportation, urban construction, property management, etc., without problems and defects, which are not within the scope of government planning;
⑤ If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit term plus the house age is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the loan/credit term plus the age of the house is not more than 30 years in principle.
6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral;
Whether your property meets the requirements, please contact the personal loan department of local outlets for consultation and confirmation.