It's easy to refuse. According to the relevant information of house mortgage inquiry, Rizhao Bank's full mortgage is easy to be rejected. Whether the loan is approved is closely related to the applicant's personal credit information, policies, housing conditions and other factors. Once the application conditions are not met, it is difficult for users to apply for mortgage loans.
Which bank in Rizhao can buy a house with mortgage loan?
Rizhao CITIC and Ping An Bank can apply for a second mortgage loan to buy a house. The process of building two mortgages between CITIC and Ping An Bank requires bank approval. Buyers and sellers conduct real estate transactions and sign purchase contracts or letters of intent. Apply for a loan from the bank and submit relevant materials. After conducting a credit investigation and examination on the borrower, the bank shall inform the borrower of the examination results.
How about Rizhao Bank housing loan? Attached to the application process!
Although the interest rate of provident fund loans is low, many people are not eligible to apply and can only apply for bank commercial loans. In addition to state-owned commercial banks, many city commercial banks can also apply for housing loans. Today, we will introduce the related contents of Rizhao Bank's housing loan.
1. How about the housing loan of Rizhao Bank?
1. Loan amount: The loan amount is reasonably determined according to the down payment ratio, construction area, unit price, innovation rate, repayment ability of the borrower and other factors.
2. Loan term: In principle, the term of individual housing mortgage loan shall not exceed 30 years, which shall be determined according to the comprehensive conditions such as the applicant's age. The borrower's age and loan period shall generally not exceed 70 years old. The sum of the mortgage age and loan life of personal second-hand housing shall not exceed 40 years at the longest, and the loan life shall not exceed the remaining land use life of the mortgage;
3. Loan interest rate: it fluctuates according to the actual situation on the basis of the benchmark interest rate stipulated by the People's Bank of China;
4. Repayment method: If the loan term is within 65,438+0 years (including 65,438+0 years), repayment methods such as monthly repayment of principal and interest or lump-sum repayment of principal and interest shall be implemented; If the loan term exceeds 65,438+0 years, repayment methods such as equal principal and interest repayment method and average capital repayment method will be adopted to repay the loan principal and interest on a monthly basis.
5. Loan guarantee: mortgage, pledge, guarantee, mortgage plus phased guarantee, etc. , you can use one or more loan guarantees;
Second, the housing loan application process
1. Loan application: The borrower fills in and submits the application form and application materials designated by Rizhao Bank;
2. Pre-lending investigation and interview: the account manager of the handling bank interviewed the borrower to conduct pre-lending investigation;
3. Rizhao Bank conducts loan approval;
4. Signing: After the borrower's loan is approved, it will sign a loan contract with Rizhao Bank;
5. Rizhao Bank issues loans after meeting the requirements;
6. The customer repays the loan as agreed.
How about easy loan for sunshine room of Rizhao Bank? Introduction to application conditions!
Many people have real estate in their names. If they encounter financial problems, they can mortgage banks and financial institutions and get large loans. Many banks have similar business. Today, we will introduce the real estate loan of Rizhao Bank, and you can learn about it.
I. Introduction of Easy Loan in Sunroom
"Sunshine-Real Estate Easy Loan" refers to the RMB mortgage loan business issued by Rizhao Bank and its authorized institutions to natural persons who meet the prescribed conditions for personal and family consumption. That is, the applicant applies for credit from Rizhao Bank with the real estate under the name of himself, his spouse or a third person as collateral, and Rizhao Bank gives the customer an approval limit according to the credit policy and the comprehensive situation of the customer, allowing the customer to use the loan funds within the agreed credit limit and period.
Second, the sun room easy loan application conditions
1, with full capacity for civil conduct, in good health, at least 18 years old, and the sum of age and credit (or loan) term is not more than 70 years old;
2. In principle, working in the place where the institution is located for a long time and living stably for half a year, and the business owner requires stable operation in the place where the institution is located for more than one year (inclusive);
3. Have a stable occupation and income source, work in the current unit for more than half a year in principle (inclusive), and the monthly income after tax is not less than 2,000 yuan;
4. The property where the agency is located can be provided as mortgage guarantee, and the property has obtained the title certificate, and the ownership is legal and clear;
5. Mortgagers (including * * *) must be at least 18 years old and have full capacity for civil conduct, in which * * * of mortgaged property must be at least 18 years old, and the sum of age and credit (or loan) period shall not exceed 70 years old;
6. Personal credit status is good;
7. Other conditions required by Rizhao Bank.
Third, the sun room easy loan application materials
1, business application;
2. Second-generation identity cards or legal and valid identity documents of both husband and wife (unmarried people need to declare single);
3. Proof of valid marriage relationship;
4. The income certificate of the applicant, including but not limited to any of the following documents: 6-month uninterrupted social security/provident fund payment certificate, 6-month personal income tax payment certificate, valid salary certificate issued by personnel or financial department, bank salary flow, etc.
5. Proof of property right of mortgaged property, including immovable property right certificate, house ownership certificate and state-owned land use right certificate;
6. The real estate * * * someone agrees to the mortgage commitment;
7. Personal credit inquiry authorization;
8. Proof of loan use (only the amount applied is not required);
Rizhao mortgage bank loan introduction ends here.