What is the interest rate of Minsheng Bank parking space loan?
The interest rate of Minsheng Bank's parking space loan is comprehensively determined according to the borrower's repayment ability, credit situation and other factors, and generally rises above the benchmark interest rate of central bank loans. When the bank handles the garage parking loan, it will evaluate the garage parking, compare it with the transaction price of the garage parking, and give a certain amount of garage parking loan at a lower price. The highest proportion shall not exceed 70% of the lower transaction price and garage parking space evaluation price, and the loan period shall not be greater than 10 year and less than the remaining repayment period of the housing loan.
Basic information of the borrower
1. Age 18 natural person;
2. Have a stable occupation and income;
3. The borrower and his spouse have good credit records;
4. The parking space contract agreement or subscription book has been signed and the down payment has been paid.
The information you need to provide
1. Proof of the identity and marital status of the borrower and its spouse;
2. Proof of income and assets;
3. Proof of house property right;
4. Parking space transaction information;
5. Proof of mortgage and pledge;
6. Relevant information of guarantee institutions and guarantors;
7. Other information required by the bank.
Bidding process
1. You can apply at any branch of Minsheng Bank.
2. Loan process
Loan application, loan investigation, loan data collection, loan approval, contract signing, mortgage registration or pledge freezing procedures, and loan issuance.