1. Loan term: 1-30 years.
2. Loan amount: the minimum single loan is 6,543,800 yuan.
3. Collateral: commercial housing, affordable housing, villas, shops, office buildings, etc. Six districts of the city with full property rights under the personal name.
4. Mortgage rate: if the house with real estate license is mortgaged, the maximum loan amount shall not exceed 70% of the assessed value of the mortgaged property;
Office buildings and commercial buildings facing the street shall not exceed 60% of the assessed value of collateral.
5. Repayment method: choose one of equal principal and interest and average capital.
6. Age of the borrower (real estate owner): the sum of the borrower's age plus the loan period shall not exceed 70 years old, and the personal consumption line loan object shall be 18 years old.
China citizens with full capacity for civil conduct (including citizens from Hong Kong, Macao and Taiwan), among whom citizens from Hong Kong, Macao and Taiwan are required to provide Tianjin people's guarantee, and do not accept mortgage guarantee of minors' own property.
And the banking system has no bad credit record.
7. Relationship between the borrower and the property owner: If the borrower is not the property owner, it can be a direct relative (such as parents, children, brothers and sisters, but it must reflect the kinship) or a friend.
8. Age: The age of the mortgaged property shall not exceed 25 years.
9. When signing a loan contract, both husband and wife must bring the original documents to the site at the same time. If you are single, you must provide documents such as divorce.