Easy-to-use housing loan is a credit loan applied to Lanzhou Bank with its own property as collateral. Many people want to apply for easy housing loans from Lanzhou Bank. What conditions does Lanzhou Bank need for easy housing loan?

Convenient conditions for bank mortgage in Lanzhou

1 The applicant is 22 to 60 years old and has full capacity for civil conduct;

2. The collateral provided by the applicant is real estate, shops or office buildings;

The applicant has a stable income and the ability to repay the loan;

The applicant's credit information is in good condition and there is no bad record such as overdue.

Generally speaking, the conditions of easy loan for bank houses in Lanzhou are relatively easy. In addition, if the collateral is shops and office buildings, the credit line shall not exceed 50% of the assessed value of the collateral; if the collateral is residential commercial housing, the credit line shall not exceed 60% of the assessed value of the collateral, and the maximum credit line shall not exceed 3 times of the applicant's annual household income.