Local banks in Yantai can handle it.
Information on applying for housing loan:
1. The borrower's personal ID card, household registration book, residence permit and other valid identification certificates.
2. Whether the borrower is married, the unmarried person shall provide the unmarried certificate, and the divorced person shall issue a civil mediation or divorce certificate (indicating that he has not remarried after divorce).
3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate.
4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year).
5. Real estate title certificate.
6. Guarantor (ID card, household registration book, marriage certificate, etc. Is required).
Yantai bank loan interest rate
Hello, the bank loan interest rate in Yantai is generally calculated according to the current market interest rate. The specific interest rate can be determined according to your loan amount, loan term, loan purpose and other factors. Generally speaking, the interest rate of bank loans in Yantai is between 4.9% and 7.5%, and the specific interest rate can be consulted with local banks. In addition, you can also search for relevant information online according to your own loan amount, loan term, loan purpose and other factors to better understand the bank loan interest rate in Yantai.
How to handle Yantai real estate mortgage loan? What should I pay attention to when handling Yantai real estate mortgage loan?
Yantai is a developed city. Many people have their own houses in Yantai. But if you want to exchange your house mortgage for money, you must pay attention to the details and procedures. If we don't know how to deal with it, we will prolong the processing time. How to handle Yantai real estate mortgage loan? What should I pay attention to when handling Yantai real estate mortgage loan?
Yantai is a developed city. Many people have their own houses in Yantai. But if you want to exchange your house mortgage for money, you must pay attention to the details and procedures. If we don't know how to deal with it, we will prolong the processing time. Of course, because there are many details, it is easy to go wrong, so we must pay attention to the details. So how to handle Yantai real estate mortgage loan? What should I pay attention to when handling Yantai real estate mortgage loan?
How to handle Yantai real estate mortgage loan?
1, apply for real estate mortgage registration;
2. The applicant fills in the Application Form for Urban Real Estate Registration and submits the materials;
3. The applicant can withdraw the registration before the final judgment;
4. Handle the preliminary examination of real estate mortgage registration (1-2 working days);
5. The window receiver issues a receipt list and collects fees;
6. The recipient shall review the registration materials as required, enter the ownership registration information and sign the preliminary examination opinions;
7, when necessary, must also conduct on-site investigation;
8. Real estate mortgage registration review (1-2 working days);
9. The auditor shall review the registration materials as required, check the electronic data and sign the audit opinions. Do not meet the conditions, return, a one-time notice to fill. If it does not meet the requirements, it shall notify the applicant of the decision not to register or suspend the registration (within 7 days);
10, handle the final registration of real estate mortgage (1-2 working days), and the final examiner will review the registration materials as required, check the electronic data and sign the final opinion.
What should I pay attention to when handling Yantai real estate mortgage loan?
First, check the mortgage information about the house.
First of all, it is necessary to verify whether the mortgagor has legal property rights and has the right to establish mortgage rights. Because in some cases, the mortgagor does not own or fully own the mortgaged property, or the property has been mortgaged before. Then the mortgage he made may be invalid from the beginning. For example, although someone has been nominally using the property and claims to own the property, it is actually only the manager of the property or just one of the owners. So first, let the mortgagor show the house ownership certificate to show his rights.
Two, housing mortgage loans should sign a written contract. The main terms of the mortgage contract are as follows
1, natural conditions of both parties;
2, the basic situation of the secured debt;
3. Detailed description and status of collateral;
4. Custody of collateral, liability for accidental losses, insurance and insurance during the mortgage relationship;
5. Liability for breach of contract and dispute resolution;
6. Mortgage term;
7. Payment method of collateral, and so on.
Three, housing mortgage loans to real estate mortgage registration shall prevail.
Because the collateral has the special property of real estate, the mortgage loan should be registered with the housing management department with the house ownership certificate. Mortgage registration has three meanings: one is to confirm the rights of the mortgagee and protect his legitimate rights and interests; The second is to publicize the mortgage of real estate through the housing management department to protect the interests of others; Third, it limits the possibility of the mortgagor to dispose of the property during this period.
How to handle Yantai real estate mortgage loan after understanding? What should I pay attention to when handling Yantai real estate mortgage loan? When something goes wrong, I definitely know how to deal with it. It is certainly not difficult to apply for a housing loan. From the article, we can know that there are many procedures, and the precautions should be familiar to everyone. The whole thing needs everyone to take it very seriously, show enough patience and look at the details carefully.
How to get money quickly in Yantai Commercial Building
Yantai businessmen can obtain funds quickly through loans, mortgage loans, loans and the sale of real estate.
1. Loan: If you need to get money quickly, you can consider applying for a loan from a bank or other financial institution. The loan amount and interest rate will be determined according to your credit status and repayment ability. If your credit status is good, you can get a higher amount and a lower interest rate.
2. Mortgage loan: If you own other real estate or real estate, you can consider applying for a mortgage loan from a bank or other financial institution as collateral. The amount of mortgage loans is generally higher than that of ordinary loans.
3. Borrowing: If you have friends and relatives who can borrow money, you can consider borrowing from them. The loan interest rate is generally lower than that of bank loans, but it should be noted that the loan agreement needs to be signed to clarify the details such as the loan amount, interest rate and repayment period.
4. Selling real estate: If you need to get a lot of money quickly, you can consider selling Yantai merchants' houses or other real estate. It takes time and energy to find a suitable buyer, sign a house sale contract and handle the transfer formalities.
In Yantai, which bank's personal mortgage loan is easier to handle?
You can try to apply for a personal mortgage loan through the local China Merchants Bank. Generally, your own unsecured property is used as collateral. The requirements, application materials and handling procedures of various loan types are different. For details, please call customer service hotline 95555 or contact the personal loan department of local outlets. Whether the application can be passed or not shall be subject to the comprehensive audit results of the handling bank.