Banks that can handle real estate licenses as mortgage loans: China Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies. All major banks can apply for mortgage loans, but the policy conditions are different, but most banks need a name to make loans, such as consumer loans, such as commercial loans, such as buying new ones and so on. The interest of such loans is higher than that of ordinary commercial loans, but the longest loan period is mostly around 10; However, compared with the mortgage loans of local commercial banks or credit cooperatives, the interest rate is lower and the loan term is longer. Most credit cooperatives allow loans for 1~3 years, but the longest is 5 years. I suggest you take the real estate license to consult the mortgage department of the relevant bank, and prepare some credit certificates of your own, such as your income certificate, your business or company certificate or contract, etc. , can reduce the difficulty of your loan approval.
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Characteristics of mortgage loans of banks:
1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.
2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.
3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.
4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.
Private loan companies, as a supplement to the bank's real estate mortgage loan business, can meet the needs of friends who have no bank threshold and need money urgently. In terms of loan threshold and processing speed, private loan companies are far superior to banks.
6. At present, most commercial banks can apply for mortgage loans, but the premise is that the house must meet the mortgage conditions, and the mortgaged property can't be used for mortgage loans generally, which needs attention.
Although banks can handle mortgage loans, not everyone can get what they want. If the repayment ability is not strong or the credit is tainted, even if there is real estate as collateral, it is very likely to be rejected by the bank. At this time, you can consider the loan company.
Which company is better for real estate mortgage loan?
Beijing real estate mortgage loan platform, fast loan network, loan service platform, Huahan Finance and Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. have better real estate mortgage loans.
1, Beijing real estate mortgage loan platform
Beijing Loan Guarantee Platform was established in accordance with the law on 20 10, located in Chaoyang District, Beijing. The platform adheres to the business philosophy of "legality, safety, professionalism and efficiency", fully draws on professional financial service concepts and technologies, and combines the domestic market demand for multi-channel financing and loan guarantee, specializing in loan guarantee services.
2. Fast Loan Network
Fast loan network was founded by well-known domestic entrepreneurs and financial industry veterans. Adhering to the tenet of "what customers think, what we think", relying on the advanced financial system platform, perfect service network and professional management team, the company adopts the concept of efficient and high-speed service, which has been highly recognized by customers from all walks of life.
3. Loan service platform
The loan service platform belongs to Guangzhou Lending Information Technology Co., Ltd., which was established in June 2065438+2007. It is a loan service organization specializing in the field of asset mortgage. The loan has reached a long-term strategic cooperative relationship with a number of financial institutions and funders; It mainly provides loan financing services of more than 6,543,800 yuan for loan customers, including personal mortgage loans, large-scale enterprise mortgage loans, and advance loans.
4. Huahan Finance
Huahanfang, a subsidiary of Guangzhou Huahan Investment Consulting Co., Ltd., is a real estate loan information consulting service platform. The business areas mainly involve real estate mortgage loan, real estate secondary mortgage, mortgage re-mortgage loan, mortgage-to-mortgage loan, real estate transaction loan, sealed house loan, etc.
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd.
Beijing Huadian Zheng Tong Investment Guarantee Co., Ltd. has a registered capital of 50 million yuan. With rich background resources and strength, and the service concept of "customer-centered, honesty-oriented", it has established a brand recognized, satisfied and loyal by consumers and developed into a unique professional financial service institution.
Which house can be mortgaged?
Deyunsheng fast loan is ok. Dalian Zhongshan Deyunsheng Co., Ltd. is a professional organization that provides mortgage-free and guarantee-free services for small and medium-sized enterprises, individual industrial and commercial households and wage earners with the policy permission of the People's Bank of China and China Banking Regulatory Commission and the approval of the Financial Office of Liaoning Provincial People's Government in China.
Want to use real estate license as collateral, who knows which bank can handle it?
Banks that can handle real estate licenses as mortgage loans: China Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies.
1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.
2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.
3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.
4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.
Private loan companies, as a supplement to the bank's real estate mortgage loan business, can meet the needs of friends who have no bank threshold and need money urgently. In terms of loan threshold and processing speed, private loan companies are far superior to banks.
Requirements of real estate mortgage loan for real estate;
1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage;
2. The age of the house (calculated from the date of completion of the house) and the loan period cannot exceed 40 years;
3. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments.
Requirements of real estate mortgage loans to borrowers:
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. No illegal acts and bad credit records;
3. Being able to provide effective rights pledge guarantee recognized by the bank or legal and effective real estate as mortgage guarantee or a third-party guarantee with compensatory ability;
4. Open a personal settlement account of China Industrial and Commercial Bank, and agree that the bank will deduct the loan principal and interest from its designated personal settlement account;
Other conditions stipulated by the bank.
1. Application materials for real estate mortgage loan:
2. Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);
3. Identity cards of the obligee and his spouse;
4. Household register of the obligee and spouse;
5. Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
5. proof of income (this proof has a great influence on the success and maximum amount of mortgage bank loans. ); 6. If the owner of the real estate license has minor children, please provide a birth certificate;
7. If the property has a bank loan, please provide the original loan contract and the latest bank statement;
8. In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. )
Which company is the mortgage loan?
The loan amount mainly depends on your qualifications. In addition, if you have a house and a business and apply for a commercial loan with the house as collateral, the amount will be much higher. Here is a general reference for you:
The ranking of bank mortgage loans of China CITIC Bank in 20 19 years: the highest100000.
CITIC Bank, established in 1987, is one of the national commercial banks in China, and its main shareholder is China CITIC Group Corporation. The mortgage loan product of CITIC Bank is an operating loan with a loan amount of100000 yuan and a house age of 20 years. The loan term is 20 years, and it can be repaid freely (5% principal per year and monthly interest).
Summary: From the borrower's point of view, the loanable amount is high, the term is long, and the repayment pressure is relatively small. However, CITIC Bank is strict with borrowers.
Details of bank mortgage loan of China Construction Bank in 20 19: the maximum is100000 yuan.
China Construction Bank was established in June 1954+ 10/0/. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The mortgage loan product of China Construction Bank is an operating loan, the loan amount is less than 6,543,800,000 yuan, the house age is required to be less than 30 years, and the repayment method is 3 years (with interest when used, but without interest when not used).
Summary: According to a friend of mine who makes mortgage loans, CCB has strict requirements for business licenses, with a term of at least three years, preferably more than one year, although there is no need for running water or inspecting entities.
Minsheng Bank, the bank's 20 19 loan line list: up to 8 million yuan.
Minsheng Bank was established in 1996 12 10/2. It is the first national commercial bank initiated by private capital in Chinese mainland. The mortgage loan products of Minsheng Bank are operating loans with a maximum loan amount of 8 million yuan and a loan term of 5 years or 10 years.
Summary: Some time ago, a friend who made mortgage loans at Minsheng Bank told me that Minsheng Bank didn't have too many requirements for the business license held by the borrower, so it could communicate or contact with the business entity of the friend.
List of 20 19 bank mortgage loans of Hangzhou Bank: up to 5 million.
Hangzhou Bank is a trans-regional joint-stock bank with independent legal personality. The predecessor of Hangzhou Commercial Bank was established in February 2000. The mortgage loan products of Hangzhou Bank are operating loans, and the business license period is not required within 20 years and 5 million years.
Summary: Hangzhou Bank is lax in examining its business license. Generally speaking, it is processed today and can be used tomorrow. In addition, the mortgage loan of Hangzhou Bank can take an abnormal mortgage process, and it can be released after approval.
Industrial Bank's ranking of 20 19 bank mortgage loans: up to 5 million.
Established in August 1988, Industrial Bank is one of the first joint-stock commercial banks approved by the People's Bank of the State Council and China. Industrial Bank's mortgage loan products are also operating loans. The room age is required to be below 29 years, the upper limit is 5 million, and the interest rate is 4%6 to 5%4.
Summary: Compared with the above two banks, Industrial Bank requires borrowers to hold business licenses for more than one year, and requires on-the-spot visits.
Let alone the introduction of the national real estate mortgage loan company.