Mortgage loan: The reason why more and more people choose mortgage loan is that the loan interest rate is generally the benchmark interest rate and there is less pressure to repay the loan.

Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters;

The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

Mortgage loan conditions of real estate license

Lender's conditions:

1. The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally not more than 65 years old; Secondly, there is a permanent residence and a fixed residence;

2. Have a proper occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule;

3. Willing and able to provide real estate mortgage approved by the lender;

4. Some people in the real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities.

Status of mortgaged property:

1. The property right of the house shall be clear, meet the listing and trading conditions stipulated by the state, and can be traded in the real estate market without other mortgage; The age of the house (calculated from the date of completion of the house)+the loan period shall not exceed 40 years.

2. Mortgaged houses are not included in the local urban reconstruction and demolition plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the mortgaged property can be the borrower himself or others.

3. If another person's property is used as collateral, the mortgagor shall issue a written commitment to the borrower to apply for a loan with his property as collateral, and require the mortgagor, his spouse or other property owners to sign the materials that the lender needs to submit.

Personal credit loan: Personal credit loan is a fashionable loan method at present, so what conditions do you need to apply for this kind of loan?

Usually, banks require borrowers to have stable jobs and fixed residences; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 3000 yuan. Submit the relevant application materials, and the bank can apply for a loan with a monthly income of 5-8 times after approval.

College students' entrepreneurial loans: College students pay more attention to this kind of loans than we believe. At present, many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. So what are the conditions for applying for this kind of loan?

Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.