Compared with commercial housing mortgage loan, small property housing mortgage loan still has certain advantages.
Take Shenzhen as an example, the mortgage loan for small property houses in Shenzhen is very fast, and it can be lent in three days. The mortgage loan for small property houses in Shenzhen is up to 50%, with a maximum amount of 2 million.
How long can mortgage loans for small property houses be released?
In Shenzhen, commercial housing mortgage loans can be approved up to 70%, individuals can borrow up to 70%, and red houses can take 7 days at the earliest. It takes 15-30 days for the mortgage loan, and 3 days for the red house non-bank mortgage loan.
Mortgage loans for small property houses cannot be guaranteed by banks, but only by institutions, which means that the lenders of mortgage loans for small property houses can only be institutions.
Commercial housing mortgage lenders prefer banks, and customers who are in urgent need of money and can accept interest will definitely choose institutions.
How much is the mortgage interest of small property houses and commercial houses?
The lowest interest rate of commercial housing mortgage loan can reach 0.32% per year, and the longest interest before interest 10 year.
The mortgage interest of small property houses is 0.99%, with equal principal and interest, and the longest is 5 years! Interest first, capital later, and high-quality qualifications are needed.
The mortgage loan for married small property houses must be signed in pairs, and borrowers over 60 years old must have children's signatures.