The borrower uses the real estate with full property rights in his own or others' name as collateral to apply for a loan for legal purposes from the bank.
Business characteristics:
1, with a long loan term of up to 20 years;
2. The loan amount is high, which can reach 70% of the appraised value of the house;
3. The repayment method is flexible. You can choose to repay the principal and interest monthly or per average capital.
Application conditions:
1. The applicant is a natural person aged 18-60, with valid identity documents;
2. The applicant has a legitimate occupation and stable income, and has the ability to repay the principal and interest of the loan on schedule;
3. The applicant has no bad credit record;
4. Commercial houses, public houses, villas, shops and office buildings with property rights can be provided.
Application process:
1 Apply and register; 2. Submit information; 3 interview and review; 4. Sign the entrustment agreement; 5. Housing evaluation; 6 bank approval; 7. Pass the examination and pay the guarantee fee; 8. Apply for mortgage registration; 9 bank loans
Information to be provided:
1, ID card, household registration book and marriage certificate of the borrower and spouse.
2. Proof of income (other financial proof)
3. Real estate license
4. Real estate appraisal report
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Mr. Tang