Tianjin unsecured loan, bank credit loan.

Tianjin automobile unsecured loan.

Tianjin housing bank mortgage loan.

Tianjin? The requirements for major banks to apply for real estate mortgage loans are basically the same.

1. property right: it is required that the property right of the house must be clear (that is, the private property that has obtained the real estate license). If the property is owned by more than one person, someone must approve it. Shall not apply for public property, enterprise property, small property rights, seized housing mortgage loans.

2. Category: residential buildings, shops, villas, office buildings, commercial and residential buildings can all be handled, and some banks can also handle affordable houses that have obtained property certificates.

3. Area: It can be handled in Tianjin (including four suburbs and five counties).

4. Status: The property under mortgage loan or mortgage condition can be refinanced as long as the total value of the property is full.

5. The area and age of the house: it is slightly different from the handling bank according to the area where the house is located. The basic requirement is more than 40 square meters, 30 years. (Note: If the mortgaged property can still be rented or sold, the bank will not keep the original property ownership certificate. For the sold property, it is only necessary to settle the remaining unpaid principal without paying the remaining interest. )

Recently, Mr. Wu, a citizen of Tianjin, raised such a question: "I took a mortgage of 700,000 yuan last year, but only one suite was worth 2 million yuan. Can I apply for a loan with this house this year? " "Mortgaged property can be mortgaged again?

According to the mortgaged property at present, it can be mortgaged again. If the house has been mortgaged before, the owner wants to apply for a second loan, if the value of the house is greater than the burden; Guarantee; Debt; The balance of rights can be mortgaged again, but it shall not exceed the balance. For example, Mr. Wu's house is valued at 2 million yuan, of which 700,000 yuan has been mortgaged, and 70% of the remaining 6,543,800+3,000 yuan can be mortgaged again.

Popular point is that your house is silver; The bank handles mortgage loans, but you can also go to the bank; The bank or leader reinvests in the mortgage loan, but the residual value of your house must be greater than the amount you borrowed. For example, Mr. Li of Tianjin has a house worth 900,000 yuan in Hexi, and went to silver; The mortgage loan is 300,000 yuan, and the remaining house is worth 600,000 yuan. He can also ask for money. Banks or leaders apply for a mortgage loan of 200,000-400,000, which is 60-70% of the residual value.

For a long time, in order to define production; Rights and protection; The lender's money is safe, and the mortgaged items may not be mortgaged again, but in recent years, with the development of Chinese nationals; Between; Gold; Melting; Live; Jump; With the increase of degree, mortgaged property under certain conditions has been listed as a property right that can be mortgaged again, commonly known as secondary mortgage. The procedure of two mortgages is also very simple. As long as the requirements are met quickly, the loan can be made on the day of the formalities.