There is no doubt that you can apply for commercial loans for facade housing loans, but the restrictions in different regions are different. For example, if you don't have your own house or shop in a certain place, it is not a local hukou, so it is relatively difficult to get a loan.
65438+ (For loans guaranteed by guarantee companies, bank approval is relatively loose, and the loan amount may be higher, but the guarantee fee needs to be paid more. )
2. Bank approval. Banks will verify the authenticity of documents provided by buyers and sellers, and some banks will also verify whether the bank flow provided by buyers is true. Banks will control according to their respective loan quotas. If the bank loan amount is small, the approval will be relatively difficult. Comparatively speaking, the loan granting speed in the first half of each year is faster than that in the second half.
3. If the loan is approved, the bank will give a notice after the loan is approved, and it can be processed within 2 working days.
How many years is the facade loan?
1. In principle, you can apply for a commercial housing mortgage loan with a term of 10 years. The general loan amount does not exceed 50% of the appraisal price, and the loan interest rate rises. Now that the country has tightened monetary policy, the credit of banks has shrunk accordingly, and the requirements for loan customers have increased.
2. The long-term loan term of individual housing loans of commercial banks is thirty years. The term of each loan shall be determined by the commercial bank through consultation with the lender according to the lender's age, working years and repayment ability.
3, the borrower to buy housing loan period shall not exceed thirty years; If the borrower purchases a commercial house and a "house", the loan period shall not exceed ten years; The borrower's age plus the loan period cannot exceed 70 years (Minsheng Bank).
4. The specific loan period should be calculated according to the personal age of the lender, male: no more than 65 years old, female: no more than 60 years old, and the maximum loan period of each bank is different.