Hello, the mortgage loan requires the house to be within 20 years; Strong liquidity of 80% of the appraised value of the house is required. The loan period of a new house loan shall not exceed 30 years. The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. Generally, it is "room age"
Basic conditions for applying for a loan:
1, with China nationality and people;
2. Hold a valid ID card.
3. Have a stable and legal source of income;
4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;
5. Other conditions stipulated by the bank.
The amount and duration of the loan
1, and the highest mortgage rate of commercial housing can reach 80%;
2. The mortgage rate of office buildings and shops can reach the highest.
3. The mortgage rate of industrial plants is the highest.
4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.
Operation process of real estate mortgage registration:
Time limit for real estate mortgage loan registration: 7 working days
The following documents are required:
1, house ownership certificate;
2. Evaluation report;
3. Real estate mortgage bank loan contract;
4. Mortgagor's ID card (leave an ID card that is verified with the original);
5. Other relevant materials.
Handling process: acceptance of registration 1 day, 2 days of preliminary examination, 3 days of review 1 day, 3 days of approval, replacement of certificate 1 day, payment 1 day, and filing.
Second, the credit loan amount in Zhengzhou is determined by multiple factors.
Credit loans are very common in Zhengzhou, but people are most concerned about the amount of loans. What is the credit loan amount in Zhengzhou? Let's introduce it to everyone.
Generally speaking, there is no uniform standard for the credit loan amount in Zhengzhou, which will vary from person to person, and the most important thing is related to income. The starting point of Zhengzhou credit loan is 2000 yuan, and the loan amount is not more than 6 times of the borrower's monthly salary, and the maximum is not more than 20,000 yuan. Loan Term Zhengzhou Credit Loan Term is below 1 year (inclusive) and is generally not extended. If the loan cannot be repaid on schedule due to force majeure, it can be extended once with the consent of the lender, and the cumulative loan period shall not exceed 1 year. The loan interest rate Zhengzhou credit loan interest rate is calculated according to the loan interest rate for the same period stipulated by the People's Bank of China. In case of interest rate adjustment during the loan period, it shall be calculated according to the contract interest rate, and interest shall not be calculated by stages. If the loan term is less than 6 months, the interest shall be calculated at the interest rate of 6 months. First, the stability of work and income. Because the credit loan is unsecured and unsecured, the main source of repayment is the borrower's income, so the lender is required not only to have a stable job in Zhengzhou, but also to have good repayment ability to meet the loan amount; Second, personal credit records Zhengzhou credit loan business pays special attention to the borrower's past credit and credit card use, that is, it can repay in time and effectively within the repayment period, and there will be no excessive overdue and arrears; Third, the use of loans should not be underestimated. If Zhengzhou credit loan is a reasonable consumer demand for durable goods, marriage, tourism and decoration, it will meet the requirements of the bank. As well as investment and working capital. Banks tend to be stricter; Fourth, there are many other factors. Bank of Zhengzhou's personal credit loan business sets strict requirements on the borrower's occupation and industry. For example, some banks require borrowers to be civil servants and employees of Fortune 500 companies, so the loan amount will be higher.
Three. Bank of Zhengzhou's credit loan policy for Class C customers?
Bank of Zhengzhou's latest new mortgage policy is more convenient for friends who need funds for personal consumption and business operation.
The specific loan business is divided into:
Personal comprehensive consumption and small and medium-sized enterprises operating revolving loan business.
Repayment method:
Within three years (inclusive), the principal will be repaid with monthly interest. You can borrow it and pay it back during the credit period.
Customers can handle repayment through counter, self-service equipment, online banking, mobile banking and other channels.
The bank stipulates repayment on the 20th of each month. Before handling the loan business, the bank will open a bank letter to each customer. Before repayment on each repayment date.
SMS reminds customers to repay the principal and interest in time.
Loan interest rate:
The loan interest rate of this loan product is 6.5-7% according to the bank's guidance.
The purpose of the loan:
Personal comprehensive consumption is mainly suitable for comprehensive consumption such as car purchase, house decoration, furniture and household appliances that meet the requirements of the state and banks.
The management of small and medium-sized enterprises is mainly applicable to the legitimate business activities of companies that meet the requirements of the state and banks, such as expanding scale, increasing raw materials and purchasing equipment.
Under the New Deal, the contents, conditions and operational procedures of mortgage approval of banks in Zhengzhou.
Let me give you an answer: 1. At present, it belongs to the stage of tightening the national loan policy, and the contraction of bank credit line leads to the reduction of loan issuance, so banks have raised the examination standards. On the surface, the credit conditions are basically the same as before, but the actual application will be strictly reviewed; 2. At present, the conditions for applying for public rental housing loans are: the lender's income is stable, and he can provide at least two monthly income certificates and bank passbook daily account certificates of income; 3. Married people need proof of income of both husband and wife; 4. General residential (first set) down payment is 30%, commercial housing down payment is generally 50%, and commercial housing loan interest rate is also high; 5. Regular banks generally don't charge credit fee. It may be that some intermediary companies or developers find excuses to collect more money; 6. It is suggested that the landlord should pay attention to avoid arbitrary charges and ask the charging party to provide the approval documents of the price department when paying the fees. Good luck with your loan! A Bin, a real estate agent, will answer your questions.