No, the cost of finding a secured loan will be high. What city are you in?
Second, do banks seek insurance from third-party companies when handling mortgage loans?
As long as you do the following, it is safe to find insurance from a third-party company. 1. Remember not to pay any fees before the loan. 2. Before making a loan, ask whether the loan is a credit loan or a mortgage loan. If it is a mortgage loan, ask about the repayment period, repayment method, the most important time for prepayment, and whether there is any penalty. 3. If it is a credit loan, because the interest of the credit loan has been comprehensively evaluated based on personal credit information, you must ask about the interest range of the loan and know what the highest interest is before accepting it. Don't listen to the lowest interest.
3. Do I need a photo of a third-party ID card to apply for a bank mortgage loan?
Need a third-party ID card.
Real estate mortgage loan process:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Construction Committee will build it.
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
Information on applying for housing loan:
1. The borrower's valid ID card and household registration book;
2. proof of marital status, unmarried persons need to provide unmarried certificates, and divorced persons need to issue civil mediation papers or not remarry);
3. If you are married, you need to provide a household registration book and a marriage certificate;
4. The salary income certificate or the tax payment certificate for the year of borrowing is local.
5. Real estate title certificate;
6. Guarantor (need to provide identity, etc. ).