China Construction Bank has launched a parking loan, the loan amount can reach 70% of the purchase price or valuation of parking spaces. In other words, borrowers who apply for parking loans only need to pay more than 30% down payment to apply. Another major feature of China Construction Bank is that the borrower need not be a building mortgage loan customer of CCB. Moreover, the application procedure for parking loan is simple. The borrower can call the customer service phone of China Construction Bank or apply in person at each branch of the bank.
Whether you buy a parking space or mortgage a parking space, you can get a loan. Usually it is not possible to take a parking space to the bank for a loan. It is not excluded that some small commercial banks will consider the property rights of parking spaces as collateral for mortgage loans, and some banks will handle mortgage loans for them considering the high value of parking spaces in good locations in first-tier cities, but many banks stipulate that loans can be made for more than100000 yuan.
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Precautions for parking space loan:
1. You can't use provident fund loans to buy a parking space. The relevant staff of the bank explained that according to the national Regulations on the Management of Housing Provident Fund, housing provident fund is a long-term housing deposit paid by units and employees, which is applicable to employees' purchase, construction, renovation, overhaul and decoration (new construction) of self-occupied housing, and no unit or individual may use it for other purposes.
2. Pay attention to whether the property right certificate can be handled: whether the property right certificate can be handled is not only related to whether the property belongs to you, but also can be used to measure whether the parking space can be sold. If the purchased parking space can't handle the title certificate, it means that the parking space can't be sold.
3. Note that the maximum validity period of the leased parking space is only 20 years: according to Article 2 14 of the Contract Law, the lease term shall not exceed 20 years. More than 20 years, more than part is invalid. Therefore, when buying a house, if a merchant says that the right to use the parking space has been sold for more than 20 years, and does not declare that it will not be protected by law after 20 years, it is fraud and you can ask for double compensation.