1. The nature of the land on the house must be transfer, allocation and commercial land.

2. The real estate value must be above 400,000, and the construction period should be within 35 years.

Second, Xiantao real estate mortgage loan requirements

1. At present, the borrower has problems of overdue, compulsory execution and credit investigation, and cannot apply for credit investigation.

2. The borrower's capital use and repayment source must be true and legal.

3, married double sign, unmarried single sign is ok.

Three, Xiantao real estate mortgage loan amount

According to the current regulations, the amount of real estate mortgage loan is 50-70% of real estate assessment price, and the maximum loan can reach 30 million.

Normal commercial housing is 70%, and apartments, facades, shops and villas are about 50%.

Four, Xiantao real estate mortgage interest rate

Handling in the bank: 3% 2-4% 8

In financial institutions: 7% to 9% 2.

In the private sector: 1: 28.

Mortgage interest of house 2: 6% 9-8% 6.

V. Xiantao Real Estate Mortgage Loan Process

The real estate mortgage loan process is as follows:

Application-approval materials-signing a contract with the bank-handling mortgage loan-lending-repayment on time.