If you have sufficient solvency and can provide relevant certification materials, and try to apply for "personal automobile consumption loan" through the local China Merchants Bank outlets, the required conditions and application materials for each loan project are different. Please call the customer service hotline of China Merchants Bank at 8:30- 18:00, and select "2 Manual Service-"1"Personal Banking Business-"4 "Personal Loan Business to enter the manual service. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.
2. Which banks can apply for parking loans?
If you are going to handle it at China Merchants Bank, you can apply in the following ways: 1 To apply for a loan, please contact the handling bank to apply for a loan for the exclusive parking space of the supporting house; 2. If you have a home loan to buy a car.
3. How much is the down payment for parking loan of CCB?
The amount of parking space loan launched by China Construction Bank can reach 70% of the purchase price or valuation of parking spaces. In other words, borrowers who apply for parking loans only need to pay more than 30% down payment to apply. Another major feature of China Construction Bank is that the borrower need not be a building mortgage loan customer of CCB. Moreover, the application procedure for parking loan is simple, and the borrower can call the customer service phone number of China Construction Bank or apply in person at each branch of the bank.
You can get a loan whether you buy a parking space or mortgage a parking space. Under normal circumstances, it is not possible to take a parking space to the bank for a loan. It is not excluded that some small commercial banks will consider the property rights of parking spaces as collateral for mortgage loans. Considering the high value of parking spaces in good places in first-tier cities, some banks will also handle mortgage loans for them, but many banks stipulate that they can lend more than100000 yuan.
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Precautions for parking space loan:
1. You can't use provident fund loans to buy a parking space. The relevant staff of the bank explained that according to the national Regulations on the Management of Housing Provident Fund, housing provident fund is a long-term housing deposit paid by units and employees, which is applicable to employees' purchase, construction, renovation, overhaul and decoration (new construction) of self-occupied housing. No unit or individual may use it for other purposes.
2. Pay attention to whether you can apply for the title certificate: whether you can apply for the title certificate is not only related to whether the property belongs to you, but also can be used to measure whether the parking space can be sold. If the purchased parking space cannot handle the title certificate, it means that the parking space cannot be sold.
3. Note that the maximum validity period of the leased parking space is only 20 years: according to Article 2 14 of the Contract Law, the lease term shall not exceed 20 years. More than 20 years, more than part is invalid. Therefore, when buying a house, if a merchant says that the right to use the parking space has been sold for more than 20 years, and does not declare that it will not be protected by law after 20 years, it is fraudulent and you can ask double indemnity.