bank loan

If you want to consult a bank, you should go to the credit department of the bank and ask in the lobby, but some banks only accept deposits and don't lend. You should have a good look and go to a bigger place. At present, CCB and ICBC should be ok, and the general loans are in these commercial banks.

The bank's loan interest rate is now up to 6.8%, more than five years. The loan method is mortgage loan, which is not very clear in the early stage. You can consult the guarantee company to see what the specific process is.

These processes are as follows:

1. loan application: the borrower proposes the purpose, amount and time of the loan;

2. Preparation of loan application materials: The borrower and the mortgagor shall prepare all the documents and certificates required for applying for loans as required;

3. Housing evaluation (or survey): relevant institutions conduct on-the-spot survey, evaluation (survey) and evaluation of mortgaged houses;

4. Apply for a loan: submit all loan application materials together with the evaluation report or opinion to the bank for approval;

5. Notarization of loan contract: after the borrower and mortgagor fill in (loan contract) and all relevant documents, sign them and press their fingerprints, they will be notarized by a notary;

6. Mortgage registration procedures: the bank shall go to the property right office for mortgage registration with the house ownership certificate and notarized loan contract;

7. Opening an account and lending: the borrower opens a repayment account, and the bank lends money to this account (note: in principle, only commercial housing, housing reform housing and anjufang can be used as collateral).