It is getting easier and easier to buy a car, and the demand for parking spaces is getting scarcer and scarcer. There are hundreds of thousands of standard parking spaces, which shows that the use value of parking spaces can be comparable to that of cars. Cars can be used as a means of transportation in daily life, and can also be used as collateral to cope with the lack of funds. Can the use of more and more valuable parking spaces also help us apply for mortgage loans? The answer is yes. So what are the rules for loans? Today, the property management network will introduce parking space loans for everyone. What methods should be mastered in the whole process of loan?

I. Loan for new parking spaces

1. loan terms: real estate developers are generally financial institutions that will be docked immediately. Most financial institutions stipulate that only owners who buy houses in this community can borrow money. The minimum down payment is 30% of the total purchase price, the longest loan is 15 years, and the interest rate rises 10%-30%.

2. Raw materials for spare parts: original purchase contract, down payment tax bill (receipt), marriage certificate (single certificate), household registration book, identity certificate and personal income certificate presented by the enterprise.

Second, the second-hand car parking loan

There are two conditions for applying for a loan.

A. For parking spaces with two certificates (both real estate registration certificate and land use certificate), you can immediately communicate with financial institutions and apply for loans.

B parking spaces with customs declaration documents (real estate registration certificate, no land use certificate) must be guaranteed by financing guarantee companies connected with financial institutions before they can apply for loans.

1. loan terms: the minimum down payment is 50% of the assessed amount, and the longest loan can be 10 year, with interest rate rising within 30%.

2. Spare parts and raw materials

Buyer's spare parts: ID card, household registration book, marriage certificate (single certificate), personal credit report, personal income certificate, card discount and proof of no room.

Seller's spare parts: ID card, household registration book, marriage certificate (single certificate), original real estate registration certificate and original deed tax invoice.

Related questions and answers: What is the interest rate of parking space loan? 1. The annual interest rate of loans within six months is 4.35%.

2. The annual interest rate of loans for six months to one year is 4.35%.

3. The annual interest rate of loans from one year to five years is 4.75%.

4. The annual interest rate of loans with a term of more than five years is 4.90%.