What information does Ping An Bank need to handle the mortgage loan of real estate license? Housing mortgage loan application information:
Real estate license (real estate license and land certificate must be mortgaged to the bank when mortgage bank loans);
Identity cards of the obligee and his spouse;
Household register of the obligee and spouse;
Marriage certificate of the obligee (marriage certificate or unmarried certificate issued by the Civil Affairs Bureau);
Income certificate (this certificate has a great influence on the success and maximum amount of mortgage bank loans. );
If the owner of the real estate license has minor children, please provide a birth certificate;
If the property has a bank loan, please provide the original loan contract and the latest bank statement;
In order to improve the pass rate of mortgage loan, please provide other family property certificates (such as other real estate licenses, stocks, funds, cash passbooks, vehicle driving licenses, etc.) as far as possible. ).
How much is the mortgage loan for 600,000 real estate in April? Four-year commercial loan, monthly payment 13749.73 yuan, calculated according to the current benchmark interest rate of 4.75, with total interest of 59,987.08 yuan and total repayment of 659,987.08 yuan. Up by 10% according to the benchmark interest rate, that is, 5.225. Monthly payment 13878.5438+0 yuan, with total interest of 66 183.03 yuan and total repayment of 66 183.03 yuan. It is very possible to calculate according to the latter interest rate.
2. Matching principal and interest refers to a repayment method of a loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period.
3. The formula for calculating the monthly repayment amount of equal principal and interest is as follows:
[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1].
Bank real estate mortgage loan interest rate 20 17 If you are going to apply for personal mortgage loan in our bank, the loan interest rate you can actually apply for will be comprehensively priced by the handling bank in combination with the business type, personal solvency, credit status and guarantee method you apply for, and can only be determined after approval.
If you want to know the current benchmark annual interest rate of loans, you can go to our home page and click "Loan Interest Rate" on the right.
Loan interest rate (1) The loan interest rate is related to the loan purpose, loan nature, loan term, loan policy and different lending banks. The state sets the benchmark interest rate, and banks determine the differential loan interest rate according to various factors, that is, floating up or down on the basis of the benchmark interest rate. The current benchmark interest rate was adjusted and implemented on July 7, 20 1 1 year. Types and annual interest rates are as follows: ① Six-month (inclusive) short-term loan 6.10%; ② 6.56% from half a year to one year (inclusive); ③ One to three years (inclusive) 6.65%; ④ Three to five years (inclusive) 6.90%; ⑤ More than five years and 7.05%. (2) Take mortgage as an example: comprehensively evaluate the bank loan interest rate according to the credit status of the loan, and determine the loan interest rate level according to the credit status, collateral and national policy (whether it is the first suite or not). If all aspects are evaluated well, the mortgage interest rates implemented by different banks are different. 20 1 1 Due to the shortage of funds and other reasons, the interest rate of the first home loan of some banks is 1 of the benchmark interest rate. Since February 20 12, most banks have adjusted the interest rate of the first suite to the benchmark interest rate. At the beginning of April, large state-owned banks began to implement preferential interest rates for the first home loan. The interest rate discount of some banks can be up to 15%. The interest rate after 15% discount for five years and above is 7.05%*0.85=5.9925%.
The real estate mortgage loan of that bank in Wujiang is a personal loan handled by China Merchants Bank. If you submit complete application materials, it will take about 15 working days for approval. Because it involves evaluation, mortgage registration and other links, each customer's situation will be different. Specific lending time, review status, processing progress, loan cancellation and other related information can be directly confirmed by contacting the handling outlets or loan account managers.
In addition, if you have submitted a loan application at China Merchants Bank, you can also log in to mobile banking to check the loan approval progress: 1, Home-Loan-Loan Progress Query; 2. My loan-inquiry-loan progress inquiry; 3. Assistant-borrowing money to do business-loan progress inquiry.
Preparation materials for real estate mortgage loan of Donggang Construction Bank: identity documents of husband and wife, household registration book and its copy, marriage certificate, proof of work unit, etc.
Application conditions
Loan application (loan purpose/amount/year/repayment source)
Second, the house ownership certificate
Three. Proof of work and income (both husband and wife)
Four. Household registration book (both husband and wife)
Verb (abbreviation of verb) ID card (husband and wife)
Six, marriage certificate
Seven, personal assets or financial proof, such as bank passbook, car driving license and other copies.
How does Futian do the bank real estate mortgage loan process;
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Sign the bank face to face;
4. Bank filing and approval;
5. After approval by the bank, notify the borrower of the approval result and sign a loan contract with the borrower;
6. Go to the Construction Committee for mortgage registration;
7. The Project Construction Committee issues his right certificate;
8. Handle insurance, notarization and other procedures as appropriate;
9. The bank directly transfers the loan to the account agreed in the contract;
10. The borrower repays the loan principal and interest according to the loan contract.
The real estate mortgage loan is 500,000 yuan, with interest paid every month. If it is a loan from China Merchants Bank, you can open the webpage calculator on the homepage of China Merchants Bank for trial calculation. After opening the homepage of China Merchants Bank, click "Financial Calculator" in the middle of the right page to open the page.
Second-hand housing mortgage loan is 60 thousand, how much is the monthly repayment for five years and 60 months? : Beijing Housing Network .. /bxjsq/index. Do the math.