Tools/raw materials
Conditions, Process and Steps of Housing Mortgage Loan in Suzhou
Methods/steps
1/3 Step by step reading
Suzhou housing mortgage loan interest, amount, years, next payment time. Repayment method
1. There is little difference between Suzhou mortgage loan interest and housing mortgage loan interest, and the interest is 4-5%.
2. The loan amount is 60-%-80% of the current house price assessment.
3. Housing mortgage loan is used for personal consumption 1-30 years and for personal business 1-20 years.
The next payment will take about 7- 10 days.
5. Repayment methods are average capital, equal principal and interest, interest before capital,
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Suzhou housing mortgage loan requirements:
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and a stable income,
3. Have the ability to repay the loan principal and interest on schedule;
4. Have a good credit record and willingness to repay, and no bad credit record;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations.
6. Open a personal settlement account in a bank;
7. Other conditions stipulated by the bank.
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Suzhou housing mortgage loan process:
1. Borrower's pre-loan consultation: fill in the application for residential housing mortgage and submit the bank certification materials.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.
6. The loan is settled. After the loan is settled, the borrower shall take back the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Matters needing attention
The owner of Suzhou house mortgage loan must agree.
The mortgage loan period+the lender's age cannot exceed 65 years old.