The interest rate is usually about 20 ~ 30% higher than the benchmark interest rate.
That is, the annual interest rate is 6.48% ~ 7.02%, depending on the loan purpose and housing evaluation.
It's hard to say what the bank said. Everyone's procedures are similar, but the efficiency of each bank is not good. If you are in Chengdu, I personally suggest that China Bank and Minsheng Bank are better. Changchun. . . I don't know.
The application materials generally need to provide:
(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;
(2) Proof of the borrower's spouse's commitment to repayment;
(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;
(4) Proof of loan use (such as house purchase contract, etc.). );
(5) the tax payment certificate of production and business activities;
(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property;
(seven) collateral assessment report;
(8) Other information.
The cost is not very high.
Usually: appraisal fee (generally 3% ~ 5% of the appraised value of collateral)
Mortgage registration share: about 0.2% of the mortgage amount.
The production cost (loan-related material cost) is about 100 ~ 200 yuan.
For reference only, the bank is slightly different. You should consult your local bank for details.
I hope I can help you!
The answers come from: "Baidu real estate exchange group" and "commercial financial management knows thousands of households"
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