70% to 80% of the property value can be obtained by mortgage loan, but the standards of each bank are different.
Due to the risk of loan funds, banks will conduct risk control management for each loan, which means that the same bank will provide different loan interest rate conditions for borrowers with different qualifications. So the question of which bank has the lowest loan interest is meaningless to an ordinary borrower. Under the background of the current national loan restriction, it should be more important for the borrower to successfully handle a suitable real estate mortgage loan!
When the bank evaluates the borrower's loan qualification, the staff will consider the borrower's repayment ability. They will analyze the materials provided by borrowers, such as credit records, bank statements, work income certificates, asset reports, etc. , roughly calculate the borrower's monthly income and monthly expenditure, and get the monthly repayment ability. Then, combined with the borrower's loan amount and monthly payment ability, we can determine what kind of repayment method and loan term the loan customer should choose.
Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836
Two, how to apply for the construction bank housing two mortgage? What is the interest rate?
Apply for the following materials of CCB: ID card, household registration book, household registration book, marriage certificate, personal credit report and mortgage loan. The house must be an existing house, a high-quality house and a commercial house. A house with low economic value cannot successfully apply for a mortgage loan.
At present, the annual loan interest rate (including June) announced by the bank is 4 1 year (including 1 year) and 4.35%, and 1-5 years (including 5 years) is 4.75% and 5-30, and the benchmark interest rate is at least 10%.
According to the specific types of problems, step disassembly/cause principle analysis/content expansion, etc.
The specific steps are as follows:/What is the main reason for this situation?
3. How to handle the second mortgage of CCB's housing?
The so-called secondary mortgage is to submit the mortgaged house as a secondary mortgage to the bank and then make a loan. However, applying for a second mortgage also requires some procedures. Generally, many people have not handled the mortgage-related problems of the second house. Then I will introduce how to handle the housing of CCB in two mortgage.
The so-called secondary mortgage is to submit the mortgaged house as a secondary mortgage to the bank and then make a loan. However, applying for a second mortgage also requires some procedures. Generally, many people have not handled the mortgage-related problems of the second house. So I will introduce how to handle the housing of CCB in two mortgage.
1. Business Process of Second Mortgage of CCB House
1), apply and submit relevant materials; Evaluate the output value of houses; Review the relevant materials submitted by the bank and go through the relevant procedures; Guarantee companies advance funds to reduce pressure; Go through the new mortgage registration procedures; After the formalities are completed, the bank issues the loan and the borrower repays it again. About the loan interest rate. It is understood that the interest rate of CCB in the second mortgage is the same as that in mortgage interest rates. The specific interest rate is subject to local regulations.
2) Compared with other banks, CCB does not need to empty the previous balance when the house is mortgaged for the second time. The interest rate is low, and the annual interest rate is only 9-13%; High quota; Flexible years, 1-3 years; Flexible repayment, early repayment, relaxed and free; Lending fast; 90% cash can be borrowed in advance upon approval.
3) The borrower submits relevant information and applies; Professional appraisal institutions evaluate the collateral; The bank reviews the secondary mortgage information and goes through relevant procedures; Guarantee companies pay for decompression; Re-apply for mortgage registration; After the formalities are completed, the bank issues the loan and the borrower repays it again. In addition, the secondary mortgage process of different lending institutions is slightly different. Specific to the actual provisions of the lending institutions shall prevail.
2. Requirements for two mortgaged houses of Jianxin Real Estate:
1). The houses used for secondary mortgage should be houses with large market development and commercial houses; The house used for personal housing in the secondary mortgage must be an existing house; The house is a first-hand house purchased with mortgage loan from China Bank; The mortgage registration of the house has been completed, and our bank is the mortgagee of the house; The house has been insured, and the original policy is managed by China Bank; The house has a superior location, convenient transportation and complete facilities.
2) The borrower submits relevant information and applies; Professional appraisal institutions evaluate the collateral; The bank reviews the secondary mortgage information and goes through relevant procedures; Guarantee companies pay for decompression; Re-apply for mortgage registration; After the formalities are completed, the bank issues the loan and the borrower repays it again. In addition, the secondary mortgage process of different lending institutions is slightly different. Specific to the actual provisions of the lending institutions shall prevail.
3. Precautions for the second mortgage of CCB's real estate
The borrower has obtained the mortgage right of the collateral; Generally, two mortgages can only be handled in the same bank; The loan interest rate of the second mortgage is usually the same as that of the first mortgage; The construction period and service life of the collateral in the secondary mortgage shall comply with the relevant provisions of the loan bank.
The above is what I introduced about how to handle the second mortgage of CCB's housing. In the process of handling, you need to prepare some consumer loan materials, but in the second mortgage, the interest rate of the second mortgage is the same as that of the first loan, but the second mortgage of the loan house meets the loan regulations of the bank, so you can borrow.
4. How to determine the loan interest rate of the second-hand housing mortgage loan of CCB?
No, because you have a house and a loan, which is equivalent to your house being bought by the bank. Before paying off the loan, you have no right to sell this house and mortgage, so you can buy and sell second-hand houses without loans. If other methods are too much trouble for you, you might as well borrow money from smugglers or something.