Now first-tier cities and most second-and third-tier cities can directly make mortgage loans, and the loan policy is the same as that of urban second-hand housing loans. Moreover, the auction of housing loans according to law, referred to as auction loans according to law, has great advantages compared with second-hand housing mortgage loans:
1, the loan approval is fast, and the loan approval and lending are basically completed within 3-5 working days;
The first ordinary house: 65% of the transaction price, and the non-ordinary house: 60% of the transaction price.
Two ordinary houses: 40% of the transaction price, and non-ordinary houses: 20% of the transaction price.
2. Only check the credit information once, the second-hand housing mortgage loan will check the credit information twice, the loan approval check once, and the loan lending check once;
3, it is easier to add leverage. French auction loans can use credit loans as down payment, and they can also achieve zero down payment or even negative down payment.