How long can Shenzhen real estate mortgage loan last?
If it is a new house mortgage, the longest loan period cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure.
It should be noted that to apply for mortgage loan, the house provided by the borrower must meet the requirements of bank mortgage loan. If the borrower's house does not meet the requirements of the bank mortgage loan, he can't apply.
In addition, the borrower's determination of the loan term is also related to the borrower's personal qualifications, such as the borrower's good personal credit, good personal assets and strong repayment ability. It's better for a loan customer like this to apply for a loan, and the loan amount is relatively high, not to mention the loan term.
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What should I pay attention to when handling Shenzhen real estate mortgage bank loans?
China Bank's personal consumption loan is a consumer-oriented loan product based on the credit status of individual customers, secured by collateral provided by customers recognized by the bank. If you apply for such loans in our bank, you should submit the loan materials. The use of funds below the quota shall be handled by the original agency, and the use of funds shall be submitted one by one, and the following materials shall be provided before use:
Proof of loan use: invoices, contracts and other related certification materials for purchasing goods; In view of the special circumstances of providing the loan purpose description, the borrower shall ensure the legality of the loan purpose, and shall not violate the relevant laws and regulations and the relevant provisions of the People's Bank of China and the China Banking Regulatory Commission on the use of personal loans, and shall not arbitrarily misappropriate them.
According to the Interim Measures for the Management of Personal Loans issued by CBRC, borrowers should provide effective counterparty account information. Entrusted payment. To meet the conditions of independent payment, you need to submit personal account information.
If the interval between the payment time and the quota approval time is more than six months, the latest income certificate and certification materials shall be submitted. Specific to the requirements of the organization.
Other materials required by the organization.
Because there are some differences in different regions, please consult local institutions in detail when applying for loans.
The above contents are for your reference. Please refer to the actual business regulations.
In Shenzhen, which bank has the lowest individual housing in mortgage interest rates?
At present, Bank of China Shenzhen implements our listed interest rate, and the interest of other banks needs you to contact the staff of other banks for consultation.
The above contents are for your reference. Please refer to the actual business regulations.