1 is a real estate mortgage guarantee company, suitable for short-term turnover. Turnover 1-6 months, same-day payment, monthly interest calculation process: interview-mortgage registration-loan notarization-lending. Housing requirements: full house, installment house, owned house, preferential house, no house, relocated house, affordable house, small property house, Yanjiao (community forum shop) house, etc.

Second, the real estate license is used to mortgage bank loans, which is suitable for long-term turnover with a term of 10 year. Lending normally takes about 30 working days, and the interest is low.

Second, how to handle the resettlement housing loan?

For China Merchants Bank, to accept commercial houses and commercial houses with clear property rights and strong liquidity as collateral, the following conditions must be met:

The agency must be in the same city, and personal mortgage loans do not accept collateral from different places.

2. Do not accept the appraisal of the present value of 654.38+10,000 yuan (inclusive).

3. The property right certificate has been completed, the property right is clear, it can be listed and circulated, the mortgage registration is handled according to law, and there is no property right dispute and other unfavorable liquidation.

4. It has strong liquidity, the real estate structure is intact, the supporting facilities and services such as construction and property management are complete, there are no problems and defects, and it does not belong to the scope of government planning;

5. If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 40 years in principle; If the collateral is a commercial house, the age of the house is generally not more than 20 years, and the age of the loan/credit period is not more than 30 years in principle;

6. In principle, commercial houses that have been idle for more than 6 months are not accepted as collateral.

Whether your house meets the requirements requires you to apply for a loan.

Third, how to handle the resettlement housing loan?

Resettlement housing can be loaned, but generally no loan is needed, because the compensation is definitely higher than the cost of buying a house. The conditions for handling resettlement housing loans in different regions may be different. If the loan object is an on-the-job employee who has paid the housing provident fund in accordance with the regulations and has full capacity for civil conduct, the following conditions may be referred to: 1, with permanent residence or valid residence status in this city; 2, when applying for a loan, the normal continuous deposit of housing provident fund for more than one year (inclusive), the new account holder normal continuous deposit of housing provident fund for more than six months (inclusive); 3. The actual behavior of resettlement houses; 4. Agree to use the total property value of the resettlement house purchased by the loan as collateral; 5. Have a stable income, good personal credit and sufficient ability to repay the principal and interest of the loan; 6. The borrower and his wife have no outstanding housing provident fund loans.

Fourth, how to deal with the resettlement housing loan?

To apply for resettlement housing loans, you need to submit a written loan application to the bank with your ID card, household registration book, marriage certificate, resettlement contract and bank statement of your personal account for nearly half a year; Banks review the qualifications of borrowers and open accounts by signing loan contracts, guarantee contracts and entrusted deduction agreements; Go to the real estate management department at or above the county level for mortgage registration and use the loan. The legal basis is Article 25 of the General Principles of Loans: If a borrower needs a loan, he shall directly apply to the host bank or the agent bank of other banks. Article 27 After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk. Article 29 All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed.