What does the owner loan mean?
Owner's loan is a kind of housing loan project provided by lending institutions, which mainly obtains funds for consumption through the good credit of owners. Lenders of different institutions are different, but the credit requirements for lenders are very high. Owners can borrow up to 500,000 yuan. It should be noted that prepayment before the loan expires will generate penalty interest.
Advantages of owner's loan products
1, the owner does not need to provide collateral or other people's guarantee, but can guarantee without any mortgage, which requires high personal credit.
2. The owner's loan amount can reach 500,000.
3. The loan period of the owner is as long as 4 years.
4. After the information is complete, the loan can be released on the last working day.
Owner's loan conditions
1. The lender needs the second-generation ID card of China citizen.
2. The lender is 25 years old (inclusive) to 55 years old (inclusive).
The credit record of the lender should be good.
You can apply for a mortgage if you meet certain conditions.
5. A copy of the business license.
6. Company lease contract and rent receipt.
7. There is a personal running bill for six months, which needs to be stamped by the relevant bank.
8. Water, electricity and coal bills at the lender's address.
How long does it take from real estate license to bank loan?
1. Going to the bank for a loan with the real estate license requires application, rounds and approval. If the materials are complete, about two people can complete the loan.
The bank will review the integrity of the lender's credit information, work income, bank bills and other related information, and everyone's approval time is different. The documents involved need my signature.
2. After all the materials are submitted, the loan will formally enter the approval process, and the bank needs to verify the investigation before deciding whether to approve the loan and the loan amount.
Editor's summary: the introduction of owner's loan ends here. I believe it will help you. Loan is an operation that can get a large sum of money in a short time. Although the threshold is low, the interest will be higher.