Details are as follows:
First, Ping An Pratt & Whitney mortgaged commercial housing loans. (that is, Ping 'an House E Loan)
Requirements:
1, borrower/property owner
1) Nationality: The borrower, spouse and property owner are of Chinese mainland nationality.
2) Age: Borrower, 25-55 years old; Mortgagor, 18-60 years old (provided that he hasn't celebrated his 56th/6th11st birthday).
3) Personal credit investigation only depends on the borrower's credit investigation, and does not accept current overdue customers/seriously overdue customers. White households can.
2. Real estate
1) Property form: only apartments are accepted. Special properties such as villas, commercial houses, self-built houses, housing reform houses and relocated houses are not accepted.
2) Real estate area: mainly domestic first-and second-tier cities and some third-tier cities.
3) Property value, house age and certificate holding time: the national real estate appraisal value is more than 300,000, the house age is less than 30 years, and the certificate holding time is more than 6 months.
4) Number of mortgage sets and loan amount: up to three houses can be mortgaged, with a single house1-50,000.
5) Only accept house mortgage and unilateral: only accept house mortgage and unilateral.
6) Second mortgage: The second mortgage is limited to the previous loan being a bank mortgage.
interest
1, with interest paid first and principal paid in six installments, with a comprehensive annual interest rate of 20%.
2. Repay in three installments 12, with interest paid in the first three installments and interest paid in each installment of 4- 1 1 (interest +5% principal), and repay in installments 12 (interest+remaining 60% principal), accounting for the comprehensive annualized rate/kloc-0.
3.24 installment: equal principal and interest, comprehensive annualized rate 10.8%.
4, 36 installments: equal principal and interest, comprehensive annualized e rate 10.7%.
Need information
Whole house: ID card, marriage certificate, household registration book (both husband and wife), household registration book (all household registration books should be provided if * * * exists), and bank card.
Mortgaged house: ID card, marriage certificate, household registration book (owned by both husband and wife), household registration book (provided if any), bank card, mortgage contract, loan repayment schedule in the last six months and repayment plan (stamped with the official seal of banking business).
Note: divorce requires a divorce certificate and a divorce agreement; The court's handling requires a court decision, and the court decision takes effect; Or a civil conciliation statement.
Application process
Customers download Ping An Pratt & Whitney APP- register-apply for mortgage e-loan-choose direct sales channel to fill in-wait for the result.
Note: Please fill in the loan bank with CCB, ABC, Ping An and BOC.
APP- authorize customers to bring the original materials to the signing center for face-to-face signing-successfully sign the contract and make an appointment with the mortgage specialist-bring my ID card, the original and copy of the house book, take the online application form to the Construction Committee to get the number-apply for mortgage-wait for other warrants to be issued-lend money.
2. Ping An Pratt & Whitney unsecured credit loan.
1, life insurance loan:
Insurance policies of national insurance companies are required to pay more than 2,400 yuan a month in 200 yuan, with a total payment period of more than 3 years. Traditional and dividend-paying policies take effect for 6 months (universal policies take effect for 2 years), and up to 3 policies can be superimposed.
Monthly interest, 1.03%~2.2%, 200,000 ~ 500,000.
Need information, application, ID card and insurance policy; Sign a contract, with proof of work income and half a year's bank flow.
2. Owner's loan:
Requirements: mortgage house, provident fund loan house, mortgage and provident fund loan house in Beijing and surrounding areas (Xianghe, Gu 'an, Zhuozhou, Langfang and Yanjiao).
Monthly interest, 1. 1%~2.2%, 2 ~ 1.5 million.
Need information, application, ID card, work certificate, and bank flow for half a year; Sign the contract, bring the purchase contract or house book or purchase invoice.
3. Owner's loan:
Requirements, national vehicle, Beijing commercial insurance
Monthly interest, 2% limit, 20 ~ 1.5 million yuan.
Need information, application, ID card, half-year bank account, driving license, great green paper (vehicle registration certificate), compulsory insurance or commercial insurance are all Beijing insurance; Sign the contract with work certificate.
4. Wage loan:
Requirements: (1) Work in Beijing for half a year, pay more than 3,000 yuan per month, and have social security.
Monthly interest, 1.2%~2.2%, 20,000 ~ 40,000.
Need information, ID card, half-year bank account, work certificate, social security card.
(2) Beijing enterprise business license has been established or transferred for one year.
Monthly interest, 1.2%~2.2% limit, 20,000 ~ 80,000 (limited to public water, 20,000 ~ 40,000).
Need information, ID card, copy of business license, office lease contract, and travel for half a year.
5. Ping An Pratt & Whitney premium mortgage loan
Requirements:
1. Lender, aged 28-55, China nationality (domestic resident).
2. Real estate
(1) Local real estate, with outstanding or settled personal mortgage loans (personal housing loans or personal commercial housing loans).
(2) The term of mortgage loan is more than 24 months,
A. The mortgage has been settled and the repayment time is greater than or equal to 12 months.
B. If the mortgage is not settled, the repayment time is about equal to 12 months, and the settlement time is less than or equal to 12 months.
The monthly interest 1.0 1% (office workers) or 1.23% (self-employed) is 45 times of the monthly payment (one year).
Need information:
Application materials, ID card.