(1) A natural person with full capacity for civil conduct, aged between 18 and 70, with China nationality;
(2) Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
(3) Contracts or agreements with commercial purposes;
(4) It has the ability to pay the down payment with its own funds according to the proportion required by Changsha Bank;
(5) Other conditions stipulated by Changsha Bank.
Can Changsha bank house e quick loan mortgage house be loaned?
Changsha bank house e fast loan mortgage house can be loaned. Housing e-fast loan is a personal mortgage loan product tailored by Changsha Bank for small and medium-sized enterprises and individual industrial and commercial households. Products support online assessment of customers' real estate, online loan application and automatic system audit.
What are the application conditions for personal housing mortgage loan on the first floor of Changsha Bank?
(1) Have permanent residence in cities and towns or valid residence status;
(2) Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
(three) there is a purchase contract or agreement;
(4) It has the ability to pay the down payment with its own funds according to the proportion required by Changsha Bank;
(5) Being able to provide guarantees recognized by Changsha Bank, including but not limited to guarantee, mortgage (pledge) and other guarantee methods;
(6) Other conditions stipulated by Changsha Bank.
Is Changsha mortgage loan reliable?
Reliable. Changsha mortgage loan is a non-bank financial institution permitted by law. You can apply for a mortgage loan when you buy a house with a loan from Changsha. Buyers need to meet the loan conditions and provide relevant legal documents.
How to handle the commercial housing mortgage loan of Changsha Bank? Look at the process!
Now many people will choose to buy shops for investment or operation. A store with a good geographical location is expensive, and ordinary people can't pay this fee at one time, so they will choose loans to solve the financial problem. Changsha Bank has a product called shop mortgage loan, which can provide large amount of funds. You can learn about it if you need it.
1. Introduction of Commercial Housing Mortgage Loan of Changsha Bank
This product is suitable for individuals or business households. If you meet the requirements of Changsha Bank, you can pay the down payment according to the specified proportion when you buy a shop from a real estate developer, and the rest of the purchase price will be paid by the loan product, and the purchased shop will be used as a mortgage guarantee, and then you can repay it in installments every month.
1. Long loan term: the longest loan term is 10 year (inclusive), which is related to the borrower's qualification and the store situation.
2. High amount: The maximum loan amount can reach 50% of the price of the purchased store.
3. Flexible repayment methods: various repayment methods such as average capital or equal principal and interest can be adopted.
Two. Changsha Bank Commercial Housing Mortgage Loan Handling Process
1. The customer needs to pay the down payment and sign a house purchase contract with the developer. They can apply directly to Changsha Bank Branch and submit relevant materials.
2. Changsha Bank will examine and accept the application and conduct pre-loan investigation.
3 after the investigation is completed, it shall be reported to the competent examination and approval department for examination and approval in accordance with the examination and approval authority.
4. Sign the loan contract, handle the mortgage registration of the auction house and issue the loan.
5. The customer repays the principal and interest according to the repayment method agreed in the contract.
In short, this product has a relatively high quota, simple application and is suitable for individuals. You can go to the bank to consult the staff.
What are the requirements for housing mortgage loan of Changsha Bank?
I. Application conditions
1, stable occupation and income, good credit, and the ability to repay the loan principal and interest;
2. There is a purchase contract or agreement;
3. Have the ability to pay the down payment with its own funds according to the proportion required by the bank;
4. Other conditions stipulated by the bank.
Second, the handling process
1. The customer applies to the handling bank and submits relevant materials;
2. The handling bank accepts the application and conducts pre-loan investigation;
3, after the completion of the investigation, according to the examination and approval authority to the competent examination and approval department for examination and approval;
4. Sign a loan contract, improve the guarantee procedures and issue loans;
5. The customer repays the principal and interest according to the repayment method agreed in the contract.
Extended data:
Product characteristics
1. Long-term: the longest loan term is 30 years (inclusive);
2. High amount: the maximum loan amount can reach 80% of the purchased house price;
3. Low cost: banks do not charge fees in the process of handling loans;
4. Flexible repayment methods: various repayment methods such as average capital or equal principal and interest can be adopted;
5. Good service: provide customers with efficient and convenient services such as repayment and factor change.