You can apply for a bank loan. According to personal income assessment, the loan amount is granted. 1. The condition for applying for a bank loan is 1, and you are over 25 years old, have full capacity for civil conduct, and have a permanent residence or valid residence certificate in China. 2. You have a fixed occupation or a stable income, and you can guarantee the ability to repay the principal and interest on time. You have a good credit record and no bad credit record. 4. You can provide bank approval. Legal and effective guarantee: 1. Payment method 1. In accordance with the provisions of the signed loan contract, the monthly repayment is equal. Customers should take the initiative to deposit the monthly loan principal and interest into their savings account before the monthly repayment date stipulated in the loan contract, and the bank will deduct the monthly repayment. 2. Customers who repay the loan in advance should apply to the bank one month in advance, and the loan interest can be exempted in advance, but the interest rate is still the same as the original loan term. If the loan term is within 65,438+0 years (including 65,438+0 years), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the repayment method shall be equal, and the loan principal and interest shall be repaid in monthly installments. Two. Notes on loan 1. Personal loans should have a clear purpose and comply with laws, regulations and relevant national policies. The transaction background is true, and the transaction background and loan purpose should not be fabricated. 2, the use of personal loans should follow the principle of good faith, in line with the purpose of the loan contract, according to the current provisions of the state, loan funds may not illegally enter the stock market, real estate development and other areas prohibited by the state. 3, loans to buy housing, should apply for personal housing loans according to the provisions of the state, according to the current provisions of the state, prohibit consumer loans for the purchase of housing. Credit conditions of bank loans: 1. Credit line The credit line is the maximum amount that the borrower is allowed to borrow in the agreement signed between the borrower and the bank. 2. Revolving credit agreement A revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law. Compensatory balance Compensatory balance refers to the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%). Materials for applying for bank loan: 1, ID cards of husband and wife, household registration book/foreigner's temporary residence permit and household registration book 2, marriage certificate/divorce certificate or judgment/single certificate 2, income certificate (designated by the bank), copy of employer's business license (stamped with official seal) 5. Credit certificate, including education certificate, other real estate, bank running water, large deposit certificate, etc. 6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
2. Can I get a loan without mortgage?
No problem.
Third, the mortgage has not been paid off. Can I get a mortgage now?
can
If the borrower's property is in the process of mortgage repayment, it can no longer be used for mortgage loan, because the borrower has mortgaged the real estate license to the bank during the mortgage loan process, and the property belongs to the bank before the loan is paid off. Without the title certificate, the borrower can't handle the mortgage registration of the property, so he can't handle the mortgage loan.
However, banks can make reasonable loans after evaluation.