1. Can I get a loan for a parking space?

Yes.

Like housing loans, there is now a dedicated parking space loan business. The hook generally requires a house in the community or a house purchase contract. Parking space loans have a long term, generally between 1 and 3 years, and can be selected from multiple repayment methods such as equal monthly payments, equal principal payments, etc.; the guarantee is simple, with property mortgages, pledges or third parties recognized by cooperative banks. Guaranteed way. The individual applying for a personal parking space loan has already applied for a first-hand housing loan at the bank. The housing loan has not been repaid, and the applicant purchased a parking space in his or her own residential community. When applying for a parking space loan, the bank will make an evaluation of the parking space, compare it with the purchased car, and provide a certain amount of parking space loan at the lower price. The bank will provide 70% of the lower price of the most appraised price. The loan period cannot be greater than 10 years, and less than the remaining repayment period of the housing loan. Application conditions:

① The borrower must be a resident with full civil capacity;

② The borrower can provide corresponding guarantee;

③ The borrower can provide ;

④The borrower has the ability to repay, but not

2. Can the parking space be loaned?

It can be loaned. The loan term of a parking space loan is generally one to three years, and the longest is no more than five years; at the same time, a property mortgage, pledge or third-party guarantee approved by the lending bank must be provided as a loan guarantee condition. When banks carry out credit business, they should strictly examine the credit standing of borrowers, implement guarantees, and ensure that loans are recovered on time.

3. Can parking spaces be loaned?

Yes.

The current parking space loan business offered by the bank is only for customers who have applied for first-hand housing loans with the bank, and provides customers with parking space loans in the same community. The loan interest rate is based on the consumer loan interest rate for the same period. However, different banks have different regulations on parking space loan business.

ICBC requires that the individual applying for a personal parking space loan has already applied for a first-hand housing loan with ICBC. The housing loan has not been repaid, and the applicant purchased a parking space in his or her own residential community. When applying for a parking space loan, the bank will make an appraisal of the parking space, compare it with the transaction price of the purchased parking space, and provide a certain amount of parking space loan at the lower price. The maximum proportion shall not exceed the lower of the parking space transaction price and the appraisal price. 70% of the price, and the loan term cannot be greater than 10 years and less than the remaining repayment period of the housing loan.

Individuals who apply for parking spaces at the Agricultural Bank of China, in addition to handling first-hand housing loan business with the Agricultural Bank of China, must also provide a fully owned house as collateral for the loan. The loan amount is determined based on the Agricultural Bank of China's assessed value of the mortgaged house and personal credit assessment. The maximum cannot exceed 60% of the assessed value of the mortgage, and the loan term cannot be greater than 10 years.

When applying for a parking space loan at the Bank of Communications, the amount cannot exceed 70% of the transaction price. If the parking space loan is applied for separately from a housing loan, the loan period cannot exceed 10 years. Minsheng Bank's parking space loans are limited to first-hand housing loan customers of "Minsheng Home Loans" who purchase parking spaces in the community where they are located. The period cannot exceed 10 years, and the maximum amount cannot exceed 60% of the transaction price of the parking space.