Chengdu real estate mortgage loan requires the full amount of the real estate (individual companies and banks are also handling secondary mortgages). For collateral, theoretically, it is the real estate after 95 years, with non-red brick exterior walls, and the total number of floors of the house is more than 5, and the planned use is commercial or residential. Individual banks have specific requirements: for example, they must have dual certificates (real estate license and land certificate), and borrowers must be used for business and have entities. The loan applicant, under the age of 25-55, has a mortgage house in Chengdu, and has paid the same amount to the bank for more than 12 months.
Chengdu real estate mortgage loan processing flow:
1. Put forward the loan intention to the guarantee company and make a rough judgment on your loan situation through communication.
2. Submit the required information to the guarantee company, and at the same time, the guarantee company will report to the evaluation company to evaluate the collateral.
3. The guarantee company collates the information and submits it to the bank to sign the contract.
4. The bank carries out the examination and approval, then goes through the mortgage registration, obtains other rights, and finally lends money.
How to get a whole house mortgage loan
The whole house mortgage loan is recommended to Mo Long for detailed consultation. Mo Long is headquartered in Chengdu and currently has subsidiaries in Chengdu, Beijing and Chongqing. Relying on strong Internet and information technology R&D and operational capabilities, excellent management team and resource integration advantages.
Full mortgage loan conditions:
1. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule.
2. There are no illegal acts and bad credit records.
3. It can provide effective pledge guarantee of rights recognized by the bank or can use legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability.
4. Open a personal settlement account of Industrial and Commercial Bank of China, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account.
5. Other conditions stipulated by the bank.
For more information about the loan, please consult Moore Long. Moerlong is a professional loan service platform, which has extensive, in-depth and stable cooperation with various financial channels. It can be called "loan supermarket", which is convenient, efficient and cost-effective. As the first professional loan service platform established in China, the consultants in the platform can solve the loan problems faced by customers independently after professional training and years of market tempering.
Want to ask about the loan conditions for buying a house in Chengdu?
Chengdu 20 18 housing loan terms:
1. The purchaser should have a registered permanent residence in the area to be purchased (if the registered permanent residence has been moved into the area to be purchased for less than 24 months, he should be employed stably in the area to be purchased and pay social security continuously for more than 2 months), or the registered permanent residence is not in the area where he wants to buy a house, but he has been employed stably and paid social security continuously for more than 24 months.
2. Chengdu registered families have houses with free property rights and below 1 set, or Chengdu registered adult single families and Chengdu non-registered families have no houses with their own property rights.
3. To buy commercial housing or second-hand housing, the following conditions shall be met at the same time: the purchaser has a permanent residence in the local area, or the residence is not in the above-mentioned area, but he has been employed stably in the local area and has paid social security for more than 24 months continuously.
4. Chengdu registered households have their own houses 1 set or less in Chengdu, or Chengdu registered adult single households and non-Chengdu registered households have no own houses in Chengdu.
5. When purchasing new commercial housing or second-hand housing in other districts (cities) and counties of Chengdu, the purchaser should have a Chengdu household registration, or have been employed stably in Chengdu and paid social security 12 months or more.