As can be seen from the name, the mortgage consumption loan refers to the real estate mortgage loan for the purpose of consumption, and the mortgage operation loan refers to the real estate mortgage loan for the purpose of company operation. Let me talk about the application conditions.
1. Mortgage consumer loan: need 18-65 years old and have a stable income. It is best that the monthly loan amount is more than twice the punching salary, and some can still recognize the running income. The general repayment method is equal principal and interest repayment in 5- 10 years, and no penalty is charged for early repayment.
2. Mortgage loan: the mortgagor should be 18-65 years old (individual banks can reach 80 years old), the borrower should be 18-65 years old, and the borrower's name or spouse should be an enterprise legal person or shareholder, or a business license that has just been applied for. It takes at least one year of tap water to meet a month's supply. There are many repayment methods, such as 1-20 years of equal principal and interest, or 1- 10 years of interest before principal.
Houze Ma Tengfei