First of all, like car loans, the choice of banks for car loans is limited by the cooperative banks of 4s stores. Banks that borrow parking spaces are also restricted by developers or property cooperative banks. So, first ask the developer or the property, which banks can choose. Add the contact information of the bank teacher and ask about comparing products, mainly interest rates. Secondly, in fact, there are many banks that can provide parking loans, such as China's agriculture, industry, postal services, Xingye, China Merchants, Jiangsu, Shanghai and other banks. Mainly depends on the interest rate, which is low, choose which one. The mainstream interest rate is between 4-6%, which is relatively low. Maybe the bank thinks it can run a sports car but can't run a parking space. Third, the loan period of each bank is also long and short. At present, the mainstream stage is 5 years, some are 10 years, and some can even be 30 years. Generally, the monthly pressure of long-term loans is small, and long-term loans are recommended.

Two, in the Agricultural Bank of China to apply for garage parking spaces, in addition to handling the first-hand housing loan business of the Agricultural Bank, it is also necessary to provide a set of full-property housing as loan collateral. The loan amount is determined according to the appraised price of the mortgaged house and the personal credit evaluation of China Agricultural Bank. The maximum loan amount cannot exceed 60% of the mortgaged real estate assessment price, and the longest loan period cannot exceed 10 year.

3. Bank of Communications garage loan shall not exceed 70% of the transaction price. If it is a garage loan for housing loans alone, the loan term shall not exceed 10 years. Minsheng Bank's garage parking loan object is limited to the first-hand housing loan customers of "Minsheng Home Housing Loan" to purchase residential parking spaces. The term shall not exceed 10 year, and the maximum shall not exceed 60% of the transaction price of the garage parking space.

Four. ICBC requires that individuals who apply for personal garage parking loans have applied for first-hand housing loans at ICBC, and the housing loans have not been paid off, and the applicants have purchased garage parking spaces in their residential areas. When handling the garage parking loan, the bank will evaluate the garage parking space, compare it with the transaction price of the garage parking space purchased, and give a certain amount of garage parking space loan at a lower price, with the highest proportion not exceeding 70% of the transaction price of the garage parking space and the lower price of the evaluation price, and the loan period not exceeding 10 years and less than the remaining repayment period of the housing loan.