Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, etc. A copy of the company's business license is stamped with the official seal, the company's articles of association, the company's financial statements for the last 65,438+0-3 years, the company's bank flow, and the certification materials for business operation or financing purposes [65,438+0].
Quota: For commercial purposes, you can generally apply for up to 70% of the real estate appraisal value.
Interest rate: the interest rate will rise by more than 20% based on the benchmark interest rate according to the bank policy and the qualifications of borrowers.
Years: generally less than five years.
Second, the mortgaged property is used for personal consumption.
Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets and personal consumption.
Interest rate: when the mortgaged property is used for personal consumption, the benchmark interest rate is generally implemented or floating 10%.
Years: generally less than 10 years.
3. Mortgaged property is used to purchase commercial housing.
Materials to be prepared: borrower's ID card, household registration book, proof of marital status, original and photocopy of real estate license, bank account, proof of large assets, and contract for purchasing commercial housing.
Four, housing mortgage bank loan procedures:
1. You need to open a current deposit account with a banking institution;
2. Please fill in the loan application form as required, and submit the application form and required materials according to the instructions of the bank;
3. The bank manager or appointed lawyer will visit you at home to investigate the authenticity, legality and completeness of the information you provide;
4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you;
5. Handle insurance, mortgage registration, notarization and other procedures as appropriate;
6. The bank will directly transfer the loan to the account agreed in the contract;
7. Please repay the principal and interest according to the loan contract.
Details: Nanchang Housing Mortgage Loan