1. Which bank loan has a longer repayment period?
The longest loan period is the real estate mortgage loan, which can be loaned for up to 30 years, but it depends on the age of the house and the conditions of the borrower. A home loan, also known as a home mortgage loan, requires a home buyer to fill in an application form for a home mortgage loan to the lending bank and provide legal documents such as ID card, income certificate, house sales contract, guarantee letter, etc. that must be submitted. The documents are reviewed and qualified by the lending bank. Promises a loan to the home buyer, and handles real estate mortgage registration and notarization based on the house sales contract provided by the home buyer and the mortgage loan contract signed between the bank and the home buyer. The bank will directly transfer the loaned funds within the period specified in the contract. The unit sold is on the bank's account. : There are three main types of personal housing mortgage loan risks: First, the borrower's risk: individuals borrow money from banks (including housing fund management agencies) for housing consumption. If the money is not repaid on time, risks will arise. The reasons for the risks There are two types: subjective reasons and objective reasons. The former refers to the borrower's intentional default, fake borrowing, and malicious non-repayment; the latter refers to the borrower's failure to repay the loan as scheduled due to unemployment, disability, death, divorce, etc. The second is the risk of development projects: the developer's poor management or misappropriation of funds will cause the project to be unable to be completed and become "unfinished". The property purchased and used for mortgage by the borrower becomes a "castle in the air"; the property purchased by the borrower has relatively high quality. question. These situations will make it difficult to perform the relevant contracts for personal loans and infringe the rights and interests of borrowers and lending banks. Third, there are also risks on the bank side: lax review of the borrower's situation; insufficient control over the developer's sales, project progress, and capital flows in the house sales supervision account and deposit account; lack of necessary contact with the housing and land department, mortgage Registration is not implemented; file management is not strict, and important contract documents are lost, resulting in bank loan risks. In the early days of personal housing mortgage loans in our country, due to the housing shortage and imperfect laws at that time, we were worried that the borrower would not be able to move out if there were personal risks, so he appealed and requested enforcement. However, considering social stability, this was often not accepted. kind of litigation. Using a house as a mortgage makes it objectively difficult to prevent risks. Secondly, because our real estate administration cannot meet the needs of market development, the processing of housing property rights certificates is slow. Without property rights certificates, mortgage registration cannot be completed and mortgages cannot be made. Preventing risks requires home buyers to improve their legal awareness. The most fundamental way to prevent personal housing mortgage loan risks is to gradually establish and improve the legal system, improve personal legal awareness, and deal with those who maliciously fail to repay their loans. The government should strengthen planning and management of land supply to ensure the stability of housing supply and housing prices; it should strictly review the qualifications of development companies to ensure that the quality of housing meets standards; it should establish and improve loan procedures; and improve loans through high-quality services efficiency rather than simply simplifying the loan process. Implement full-process management of personal housing loans, especially post-loan management, and establish a complete loan guarantee system. Establish housing mortgage, pledge, insurance, and guarantee mechanisms, and use market mechanisms to disperse and transfer loan risks.
2. Which bank loan has a longer repayment period?
Currently, the longest personal loan term of China Merchants Bank is housing loan (up to 30 years), and the term for different loan purposes is different. Your specific loan period can only be determined after review by the bank when you apply for a loan. (Response time: January 22, 2019. For the latest business changes, please refer to the official website of China Merchants Bank)
3. Which bank loan has a longer repayment period?
Currently, the longest personal loan term of China Merchants Bank is housing loan (the maximum term is no more than 30 years), and the term for different loan purposes is different. The specific loan period you can apply for will need to be reviewed by the bank when you apply for the loan. January 22, 2019. For the latest business changes, please refer to the official website of China Merchants Bank.
4. In addition to mortgage loans, what kind of loans are there? The loan repayment method takes a long time
Hello, the repayment methods include the equal principal and interest repayment method and the equal principal repayment method.
In addition, if you need to borrow money, you can use Youqianhua. Youqianhua is a Baidu credit service product that can meet your daily consumption and cash flow needs. Purely online application, no mortgage required, simple application materials, approval in 30 seconds, and loan disbursement in the fastest three minutes. You can repay in advance, and after repayment, the amount can be restored and you can borrow money on a recurring basis. Hope this answer can help you.