First, how about real estate mortgage?
This product is a loan business in which the borrower uses the real estate as collateral and the funds are used for living consumption. Only when the personal credit is good and the house meets the bank conditions can it be handled.
Loan amount: 80% of the maximum loanable property value, which will be comprehensively evaluated by the bank.
Long term: the longest loan term is 20 years, and the repayment pressure will be greatly reduced. The specific term needs to be negotiated, and each borrower is slightly different.
Flexible repayment: installment repayment, with the loan, the borrower can choose freely according to his own situation.
Convenient application: online application with mobile app can quickly evaluate the value of real estate, and the procedures are convenient, and most procedures can be handled without leaving home.
In addition, this product has certain characteristics. On the one hand, you can enjoy life-long free housing value assessment service, and you can also open mobile banking, online banking and other services for free. Users who usually have business dealings with Harbin Bank and have good credit will have a higher loan amount.
Second, the real estate mortgage loan application conditions
Personal conditions: borrower 18-65 years old, with stable income and good credit information, and the house has obtained the house ownership certificate or the house ownership certificate.
Prepare one of personal valid ID card, household registration book, marriage certificate (provided by married people), provident fund or social security deposit record/personal income tax bill/salary certificate/bank running water/other income certificate, real estate license and use certificate.