For customers who apply for housing provident fund mortgage loans, after re-evaluating the houses, the total evaluated price is multiplied by the mortgage rate of 60%, and the generated amount is deducted from the balance of the first housing provident fund loan.
The required information is as follows:
1, ID card;
2. Household registration book;
3. Marriage certificate;
4. proof of income;
5. Banks are liquid;
6. Bank loan contracts that provide information on both husband and wife;
7. Half-year bank flow;
8. proof of residence;
9. Water and electricity invoices;
10, loan purpose.
Mortgage loan can be divided into short-term secondary mortgage and long-term secondary mortgage.
1 short-term loans
There are room-based programs:
Mortgage registration, loan notarization, lending,
The room didn't go down:
Customers who want short-term turnover but borrow from banks. This kind of house without room can only go to a guarantee company, and the short-term loan is up to one year. The procedures are incomplete, and the bank can't get a second loan.
2. Long term loans
Find a new bank to apply for a loan, and then lend from the original bank after the loan is approved to ensure that the second loan can be lent. Bank loans only charge loan service fees. For normal commercial housing, 1% of the loan amount is charged as a service fee, which will be charged after the bank approves the loan.
I want to borrow money for a long time, but I need it urgently.
You can pledge the loan from the company on the same day, and then immediately operate the bank loan. Normal bank loans will be released in about one month, and the bank will repay them monthly after the loan is released, which not only solves the difficulty of urgent use of money, but also solves the problem of high monthly supply pressure of long-term loans.