1. The longest loan term of real estate mortgage loan is ten years. The borrower must determine the loan term and loan amount according to his own actual situation to avoid the loan being unable to pay.

2. If the pledge of consent to mortgage is given in the name of others, and it must be stipulated that the same property is owned by husband and wife, it must be signed by someone.

Not all properties can be mortgaged to apply for loans. For example, houses without real estate licenses, such as affordable houses that have not been settled for less than five years, cannot apply for mortgage loans.

In the process of business operation, it is really necessary to apply for real estate mortgage loan cautiously, otherwise not only will the loan application be rejected, but it will also affect the enterprise's inability to continue to develop due to insufficient funds.

Second, what problems should enterprises pay attention to when applying for loans?

! Whether it is a big bank or a small bank, loans need to be mortgaged. It seems that your company has nothing to mortgage. There are now two solutions:

1. Mortgaging personal property or car, lending money for the company, the risk is that the company will be miserable if it can't make money, and the collateral will be auctioned.

2. Credit loans, provided that your company meets some conditions, such as industries encouraged and supported by the government. The disadvantage is that looking for a guarantee company will increase the loan cost by 1-2 percentage points, and now banks are tightening monetary policy. It seems that government guarantee companies are unwilling to guarantee, which is more difficult. No guarantee doesn't mean you won't pay it back. If you break the contract, you still have to pay it back, which will have a great impact on your future loans. Be cautious in lending.

3. What are the precautions for applying for corporate loans?

1, 0 down payment, low interest rate and other concessions need to be cautious. Although it sounds like great concessions to customers, many of these concessions are based on raising car prices and increasing agency fees. 2. The loan amount should be appropriate. Generally speaking, the maximum loan amount for personal credit or joint liability guarantee is 200,000 yuan. If the purchased vehicle or real estate is mortgaged, the loan amount is 70%. If the loan application is guaranteed by a third party (except banks and insurance companies), the loan amount is 60%. 3. Pay attention to the repayment method. Users of car loans provide two repayment methods: equal principal and interest and average capital. Among them, the total amount of interest paid by equal principal and interest is relatively large, but the repayment amount of each installment is the same, and the repayment pressure is relatively balanced. The repayment amount of each period in the average capital is gradually decreasing. Although the total amount of interest expenditure is less than the equal amount of principal and interest, the amount of repayment in the early stage is relatively large, so you should think twice whether you can bear it. 4. The loan documents should be complete. To apply for a personal car loan from a bank, the borrower needs to prepare valid identity documents, marriage certificates and other relevant materials. If you apply for a car loan by family, you also need to provide the relevant identity certificate of your spouse. In addition, different lending institutions apply for loans to buy a car, and the requirements for borrowers are different. Therefore, before applying for a loan, the borrower had better consult in detail in advance and make preparations before applying for a loan.

Four, after the approval of the enterprise loan application, what should be paid attention to?

Enterprises will need to apply for loans for various reasons, and enterprises also need to shop around when applying for loans to obtain the most favorable expected annualized interest rate, which can fundamentally save some costs for enterprises. What matters should enterprises pay attention to after applying for loans? (1) Implement the credit conditions according to the requirements of the bank. Generally, mortgage registration is completed, various legal statements are issued, and a guarantee contract is signed to prove that its own funds have been put in place. (2) Sign a loan contract with the bank and submit the withdrawal information for the bank's review. (3) Recovery of the loan. It should be noted that the object of loan payment is consistent with the original purpose of the loan application and the sales contract submitted in the second point. It is a real payment and cannot be returned after nominal payment. (4) Do a good job in the follow-up fund withdrawal and have sufficient settlement in the loan bank. This is not only the comprehensive return requirement of banks, but also the basis for banks to evaluate whether enterprises misappropriate loans, and it is also an important basis for banks to approve subsequent loans of enterprises. (5) Cooperate with banks in post-loan management, keep in touch with banks, timely and truthfully reflect the operation of enterprises and provide financial statements. If you can't get in touch for various reasons, you should explain it to the account manager in advance to avoid collecting the loan in advance because of unnecessary misunderstanding. It should be noted that the bank has stipulated many detailed terms in the loan contract of the enterprise, and the enterprise needs to follow the relevant loan terms. As a reminder, it does not mean that enterprises can sit back and relax when they successfully get loans, and at the same time, they should pay attention to the cost of loans. Short-term loans cannot be used for a long time. Excessive loan amount will affect the financial cost of enterprises, resulting in high debt ratio of enterprises, thus affecting the refinancing of enterprises.