To apply for housing 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 the bank, the mortgage loan procedures are complicated, and there are many requirements for real estate, and the lenders themselves have many requirements. Therefore, if you want to apply for a real estate mortgage loan, it is necessary to know the loan conditions and requirements in advance in order to obtain the approval of financial institutions such as banks.
Extended data:
1. Mortgaged real estate is used for operation.
Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 1-3 years, the company's bank flow, and the certification materials used for business or financing purposes.
Amount: For commercial purposes, you can generally apply for 70% of the real estate appraisal value at most.
Interest rate: According to the bank policy and the qualifications of borrowers, the interest rate will rise by more than 20% on the basis of the benchmark interest rate.
Years: generally less than five years.
Second, the mortgaged property is used for personal consumption.
Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets and personal consumption.
Interest rate: When the mortgaged property is used for personal consumption, the benchmark interest rate will generally be implemented or floating 10%.
Years: generally less than 10 years.
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