Generally, real estate mortgage is used to guarantee. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department. Specifically, you can explain your city, and we will help you further.
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Generally, commercial housing is used as collateral, and the mortgage rate shall not exceed 70% of the present value of real estate appraisal; Where commercial houses are mortgaged, the mortgage rate shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal. For educational purposes, the term shall not exceed 8 years (inclusive).
Application materials generally required for applying for a loan:
1. Identification information
2. Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc.
3. Proof of local residence: fixed telephone bill for any three months in the past year, or public utility bill such as water and electricity bill, or other materials that can prove the address.
4. Guarantee certificate: proof of ownership of collateral. If there is a * * * owner, it is also necessary to provide a statement that the * * * owner agrees to mortgage or requires the * * * owner to sign a mortgage contract. Where other auxiliary guarantee methods are provided, corresponding certification materials are also required.
5.
Proof of use: materials that can prove the authenticity of the purpose of buying a house if the loan is used for buying a car/parking space, such as car/parking space contract, letter of intent for subscription, deposit receipt, down payment receipt, etc. , must be submitted; The purpose of the loan is to install
Repair: Materials that can prove the authenticity of the renovation must be submitted, such as the title certificate of the renovated property, renovation contract, advance payment receipt, etc. If the loan is used for educational purposes, proof of admission, such as school attendance, must be submitted.
The "Admission Notice" or similar certification materials issued.
6. Proof of repayment ability: our payroll customers can directly provide their payroll account flow; Social security account flow or personal tax bill, etc.
If you need to provide other information about the loan, the handling bank will inform you in time, or you can confirm these information in detail through the handling bank when applying for the loan.