You need to mortgage the property to get a general loan.
However, there are various forms of loans, including pledge and guarantee. Pledge mostly uses pledged materials recognized by banks, such as articles and certificates of deposit, to pledge loans. Loans are generally guaranteed by civil servants or bosses of large enterprises, and they are recognized by banks as people with stable wages and strong sense of security. At this time, there is generally no need for other physical objects, only the credit guarantee of the guarantor is needed.
Do you need a bank loan to buy a house? Need a mortgage?
Buy a house and get a loan from the bank. If it is a mortgage loan, the house is collateral. The loan has not been repaid, the house is not entirely yours, and the real estate license will register the mortgage.
Do bank loans have to have collateral?
Hello, there are two loan methods, one is real estate mortgage loan and the other is credit loan. Credit loan depends on comprehensive conditions. For example, the credit card cannot be overdue, the minimum repayment amount cannot be constant, the credit card cannot be maxed out, and the number of inquiries cannot be too many. If there are other bank loans that need to be repaid normally. Credit loan requires conditions, such as having a real estate, but the real estate is not mortgaged, just as a loan condition, indicating that you have the qualification and ability to repay. If there are no relevant conditions, even if your credit is good, you can't handle it normally. I hope I can help you.
What collateral does a personal loan need?
Let me introduce the business of bank mortgage loan to you! First of all: 1. Collateral scope: local and foreign currency time deposit certificates (discounted) issued by banks owned by borrowers or third parties, voucher-type (including electronic bookkeeping: the current electronic bookkeeping national debt cannot be pledged due to system problems) national debt, counter-type national debt (the current counter-type national debt cannot be pledged due to system problems) or registered financial bonds issued by banks after 1999. (At present, our bank has not signed a pledge payment stop guarantee agreement with any local commercial bank, and other banks cannot handle pledge loans in ICBC for the time being). II. The borrower's conditions are 1, and he is a natural person with full civil capacity who is at least 18 years old when applying for a loan; 2. Have a stable occupation and income, and have the ability to repay the loan principal and interest on schedule; 3. Being able to provide collateral recognized by the bank; 4. Open a personal settlement account and a personal loan comprehensive account in China Industrial and Commercial Bank; 5. The borrower of e-banking personal pledge loan must also be an individual registered customer of e-banking and hold an individual customer certificate of e-banking. 6. Other conditions stipulated by the bank. III. The borrower shall submit the information 1, the borrower's valid identity certificate and a copy thereof; 2. Deposits in local and foreign currencies issued by banks owned by borrowers or third parties, and voucher-type treasury bonds or registered financial bonds issued by banks after 1999 (inclusive); Savings deposit certificates issued by other local commercial banks with inter-bank guarantee agreements for pledge payment (discount); 3. If the third party's valuable documents are pledged, the original and photocopy of the third party's valid identity documents and the written authorization for agreeing to pledge shall be provided. 4. The borrower who applies for the personal pledge loan of e-banking must also register the personal customer of e-banking and have the personal customer certificate of e-banking. Four. The minimum loan amount is 5,000 yuan, and the maximum loan amount does not exceed 90% of the pledged amount. And the single loan amount and the loan amount of the same customer shall not exceed the authorized limit. Among them, the starting point of each loan amount of e-banking personal pledge loan is 10000 yuan, and the single loan amount and total loan amount of the same customer shall not exceed the prescribed limit.
Do you need to mortgage anything for the housing loan?
To buy a house with a commercial loan, you need to use your property as collateral, not necessarily the property you want to buy, but also the property you have already bought. Mortgage loan is necessary. . .
The application time is also related to personal qualifications, about 15 working days.