The interest rate of Ping An Bank's real estate mortgage consumer loan is generally calculated according to the monthly interest rate, which is about%, depending on the applicant's qualification. The borrower needs to meet the following conditions: first, the borrower has a legal identity and a good credit record; Second, borrowers applying for real estate mortgage loans require stable economic income and the ability to repay the principal and interest of loans. Even if there is collateral, the bank also depends on the borrower's repayment ability; 3. The applicant can provide valid proof of property rights and other relevant documents. 4. At least 50% or more of the total price or evaluation value (whichever is lower) of the purchased commercial house is self-raised and guaranteed to be used to pay the down payment of the purchased commercial house; Five, there are assets recognized by the loan bank as collateral or pledge, or (and) a legal person, other economic organizations or natural persons with sufficient compensation capacity as a guarantee.
2. What mortgage loans does Ping An Bank have? Both of them are very good!
Ping An Bank is a popular financial institution in China, and it has many credit products, among which mortgage loans are of great concern, because as long as there are eligible collateral, loans can be easily obtained. The next payment is fast, the interest is low and the term is long. Let's introduce it today and see what mortgage loans Ping An Bank has.
I. Mortgage Loan Products Ping An mainly has two mortgage products, one is Home Easy Loan and the other is Home Easy Loan: 1. Home Easy Loan is suitable for individuals or enterprises, with or without a business license. Zhai Yitong has requirements on the time of business license, at least one year. If it is less than one year, the business license must be cancelled and the salary model can be adopted. The maximum amount is 3 million, and the loan period is 10 year, which is suitable for the wage class with repayment pressure. The main features are low interest rate and long loan time. 2. Housing is easy to borrow. Require a business license for more than one year. The bank will carry out physical inspection and must have a formal business place with a term of 10 year. Very suitable for small and medium-sized enterprises, you can use the way of repaying principal and interest. As long as 5% of the principal is repaid every year, self-employed individuals can borrow 5 million yuan, and limited companies can borrow up to 20 million yuan. 2. The application materials for mortgage loan shall provide personal or husband and wife ID card, proof of marital status, household registration book, real estate license, copy of business license, three-month running of husband and wife (one-year running of easy housing loan, personal seal and official seal of legal person), bank card or credit card. Iii. mortgage loan application process 1. Submit the application online, authorize the personal data, fill in the loan information, and wait for the preliminary examination after submission. 2. The bank will arrange for the credit manager to contact you to communicate the loan matters and make an appointment to go to the bank for business. 3. Wait for the bank to review. After the results come out, you can go through the mortgage guarantee procedures and then sign the contract. 4. Bank loans.
3. What are the requirements and conditions for Ping An Bank to handle automobile mortgage?
Don't do this, crater
Four. Term of Ping An Bank mortgage loan
Ping An Bank's mortgage loans are divided into real estate mortgage loans and automobile mortgage:
1. Term of real estate mortgage loan:
① Ordinary housing: 20 years;
② Single-family villas, general commercial houses, special commercial houses, general commercial and residential houses and commercial/serviced apartments: 65,438+00 years;
2. Term of automobile mortgage: 1 year, 2 years and 3 years.
Response time: May 26th, 2020. Please refer to the latest business changes announced by Ping An Bank in official website.