Personal salary card can't be used for mortgage. Only real estate with sufficient value can apply for mortgage loan, such as real estate and vehicles.
I. Housing
1. The nature of the house; Residential, affordable housing, affordable housing (strict requirements for affordable housing), clear property rights within 20 years.
2.-65 years old) and in good health.
Tired 6
4. The mortgagor can prove the source of repayment and other assets (large time deposit certificate, second house property, stocks, funds, etc.). ).
The actual use of funds is clear.
Second, prepare information:
1. Original and photocopy of ID card and household registration book of borrower and spouse (if single)
2. Proof and reply of the borrower's marital status
3. Copy of family property, automobile ownership certificate and other assets certification materials (house ownership certificate, land use certificate and deed certificate)
4. Statement of personal main bank account in the last 6 to 12 months (with official bank seal)
5. Work unit income certificate
6 materials
7. Evaluation report
Third, the housing mortgage loan process:
1. Submission
2.
3. Housing assessment
4. The bank passed the audit
5. Bank loans
6. Mortgage registration
7. Repay the loan on a monthly basis
Second, can you use a salary card to mortgage a loan?
1. What can be used as collateral for bank mortgage loans?
1. 1
Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and after evaluation, the loan can reach 70% to 80% of the evaluation price.
1.2
Third, can you use the salary mortgage to guarantee the loan?
Personal salary cards cannot be mortgaged. Personal salary cards are only debit cards issued by banks and are not eligible for mortgage loans. Because the collateral used for loans must be property with certain value, such as houses and cars.
4. Can the retired social security card be mortgaged?
Retirement salary cards cannot be mortgaged. Mortgage loans can only use real estate or movable property. Moreover, in the case of mortgage, banks have restrictions on the age of lenders. You can't apply for long-term loans over a certain age. Because if the borrower is too old, the loan risk will increase; If you are too young and have no financial resources, banks will also consider their repayment ability. So what you're saying is that you can't take a retirement salary card as a mortgage.