First look at the demand amount. If it is less than 654.38+0 million, you can directly mortgage the consumer loan. At present, there are four banks in Beijing market that can do it. The annual interest rate is between 3.2% and 6.5%, and the principal and interest can be paid in equal amount in 10 year or in 10 year.
Second, if the demand exceeds 6,543,800+0,000, we can only take mortgage loans.
1. You can let your lover or parents (under 60 years old) transfer to a company that has been established for more than one year. The loan amount can be 70% of the real estate assessment value, with an annual interest rate of 3.95-4.55%, equal principal and interest for 20 years or interest before 3- 10 years.
2. find a friend with a company as a borrower, and it is best to be practical. The loan amount can be 60-70% of the real estate assessment value, the annual interest rate is 4.25-5.8%, and the term is 10 equal principal and interest or 10 interest before principal.
3. Being the actual controller directly means that there is no need to have a company, and you can borrow 70% of the real estate assessment value, with an annual interest rate of 5.2-6.8% and equal principal and interest for a period of 20 years or 3- 10.
4. If the above cannot be realized, you can only borrow from foreign banks or institutions, without a company, with an annual interest rate of 7- 12%, equal principal and interest 10 years or interest before principal 1 to 3 years! Advantage lending is fast, but the interest rate is high.
Real case: Customer A retired from the Public Security Bureau at the age of 6 1, with four credit lines of about 950,000 yuan and a credit card of 200,000 yuan basically maxed out. The wife is a shell company, and the 62-year-old son can't borrow it. The property is in the name of the lover, mortgaged in the pawnshop and must be collected by 75 people. It must also be a bank.
Through communication, we finally approved 2.2 million yuan, with an annual interest rate of 4.85% (the original pawn of 2 million yuan), and we can renew the loan without paying back the principal after interest.