Commercial banks will do. You can go to the nearby business hall for consultation. 1. Information to be provided 1) Basic information required for bank real estate mortgage loan: If married, provide ID cards, household registration books and marriage certificates of both husband and wife; If single, provide my ID card and household registration book; If divorced, provide my ID card, household registration book and divorce certificate; In addition, provide the borrower's divorce agreement report. 2) Institutional real estate mortgage loan needs to provide: household registration book, ID card and household registration book. 3) Short-term loans for urgent needs only need to provide household registration book, ID card, household registration book and marriage certificate. 2. Real estate conditions 1) Bank real estate mortgage loan requires that the real estate should be a commercial house in the 6 th district of the city, and the age of the house should be less than 25 years; 2) Institutional real estate mortgage loan requires that the real estate should be houses and apartments in six districts and four new districts in the city, and the age of the house should be less than 40 years. Many products do not do office buildings, bottom businesses and villas. 3) Short-term loans for all properties in Tianjin do not require any age or region. 3. Requirements for lenders 1) Bank real estate mortgage loans require that lenders must be between 18 and 65 years old and have good qualifications; 2) Institutional real estate mortgage loans require borrowers to be over 65 years old. 3) Short-term loans can reach 75 years old. 4. Loan amount: 1) If the bank mortgage loan is high, it can loan 60% of the house value; 2) Higher institutional mortgage loans can lend 70% of the house value; 3) Higher short-term loans can lend 70% of the house value; 5. Loan term: 1) The bank mortgage loan can be loaned for 30 years; 2) The term of institutional real estate mortgage loan is 5- 10 year; 3) The short-term loan is 12 months. 6. Loan interest rate: 1) The annual interest rate of bank real estate mortgage loan is about 6.61%; 2) The annual interest rate of institutional real estate mortgage loan is 7.44% lower; 3) The monthly interest rate of short-term loans is 1%. Seven. Repayment method: 1) The repayment method of bank real estate mortgage loan is equal principal and interest; 2) There are two repayment methods of institutional real estate mortgage loan: interest first, principal later and equal principal and interest. 3) The repayment method of short-term loan is interest first and principal later. : 1. The fundamental difference between pledge and mortgage lies in whether to transfer the possession of pledged property. Mortgage is not carried out in the form of transfer of possession of the mortgaged property, but the mortgagor is still responsible for keeping the mortgaged property; Pledge has changed the form of possession of pledged property, and the pledgee is responsible for keeping the pledged property. Generally speaking, the mortgagor is responsible for the damage or depreciation of the collateral, and the pledgee is responsible for the damage or depreciation of the collateral. 2. The creditor has no direct right to dispose of the collateral and needs to negotiate with the mortgagor or complete the disposition of the collateral through litigation judgment; The disposal of pledged property does not need negotiation or judgment, and the pledgee can dispose of it after the time stipulated in the contract. The principle is the same as mortgage loan. 3. Different themes. In principle, the subject matter of mortgage is real estate, but not limited to movable property. The law allows some movable property such as machines and vehicles to be used as collateral. The subject matter of pledge is usually movable property and rights. For example, negotiable instruments, stocks and other securities can be pledged.

2. What institutions in Tianjin provide direct mortgage loans for real estate?

Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank,

3. What institutions in Tianjin provide direct mortgage loans for real estate?

1, the funds needed for the normal operation of the enterprise; 2, personal normal consumption funds (such as house decoration, large household appliances, etc.). ); 3. Buy a house, a car, etc.