Yes 15. According to relevant information on the Internet, in Changsha, there are six major banks and nine well-known commercial banks that can handle real estate licenses as mortgage loans, and local rural commercial banks and city commercial banks can also handle such businesses.

How to borrow money to buy a house in Changsha

General process: preparing materials, interviewing, evaluating, approving and lending.

1. Never look for a small company with any fees before lending, so as not to be cheated.

2. Information required for general personal housing mortgage loan: ID card, household registration book, description of marital status and real estate license.

3. At present, depending on which bank the company cooperates with, it will generally choose to cooperate with China Everbright, with fast loan (7~ 10 working days) and lower interest rate than other banks.

I hope my answer can help you. If you have any other questions about Changsha housing mortgage loan, you can contact13755151981.

Applicants and their spouses who need loans, as well as house owners, hold ID cards, household registration books and proof of marital status. Income certificate, loan demand certificate, real estate license, deed tax certificate, land use certificate, go to the commercial bank where the house is located, consult the manager on duty, and go through the mortgage application procedures. After the bank accepts the application, it will first review it. After it passes the review, it will go to an appraisal company to evaluate your house and get the appraisal of the goods. Then, on the basis of this price, it will give you a preferential loan of 6-7 fold.

Mortgage conditions: the age of the house is not more than 20 years, the area is not less than 50 square meters, the property rights are clear, there is no mortgage, the loan is paid off, and the three certificates are complete. The applicant is male and under 60 years old. Women under 55-

How much can a mortgage loan have?

1. The amount of house mortgage loan is related to many factors, such as the age of the house, the age of the borrower, the liquidity and liquidity of the property, etc. In short, all these will affect the appraisal value and loan ratio of real estate. The higher the assessed value of real estate and loans, the more money you can borrow. The appraised value of real estate and the loan ratio will affect the loan amount of the house.

Calculation formula of mortgage loan amount: loan amount = real estate appraisal value × loan ratio.

2. The age of real estate has become the audit standard for many banks to issue loans. Under normal circumstances, the longer the house age, the smaller the appreciation and preservation space of the house, the lower the proportion of loans granted, and may even not grant loans. For houses with remote locations and small areas, the loan ratio is generally low. Because the location is remote, the area is small, and the liquidity of the property is even worse, the loan ratio is low, and even the loan may not be available.

3. Generally, there is no fixed amount of mortgage loan. Generally speaking, it depends on the appraised price of the house. This evaluation price is not what you think, so it must be evaluated by a professional organization. It also depends on the specific situation of your house, such as age, region, property rights and so on. Occasionally I will look at your personal situation, such as repayment ability and personal credit limit.

What problems should be paid attention to in housing mortgage loan?

When handling mortgage loans for housing consumption, banks have certain regulations on the use of loan funds by borrowers. When applying for a loan from a bank, the borrower needs to explain the purpose of the loan funds to the bank, and at the same time, when approving the loan, the borrower needs to provide the corresponding proof of the use of the loan funds. The purpose is to strengthen the management of the flow of loan funds and prevent all possible bad uses of fraudulent loans.

Pay attention to the complete loan documents:

Generally, to apply for a bank mortgage loan, the borrower needs to prepare identity documents (ID card, household registration book or residence certificate), marriage certificate and valid income certificate (tax bill, salary slip, salary passbook, etc.). ) or other valid proof of income sources (funds, stocks, other monetary income, etc.). ). If a family applies for a personal consumption loan from a bank, it should also submit the identity certificate of the borrower's spouse to the bank.

What are the requirements for housing mortgage loan of Changsha Bank?

I. Application conditions

1, stable occupation and income, good credit, and the ability to repay the loan principal and interest;

2. There is a purchase contract or agreement;

3. Have the ability to pay the down payment with its own funds according to the proportion required by the bank;

4. Other conditions stipulated by the bank.

Second, the handling process

1. The customer applies to the handling bank and submits relevant materials;

2. The handling bank accepts the application and conducts pre-loan investigation;

3, after the completion of the investigation, according to the examination and approval authority to the competent examination and approval department for examination and approval;

4. Sign a loan contract, improve the guarantee procedures and issue loans;

5. The customer repays the principal and interest according to the repayment method agreed in the contract.

Extended data:

Product characteristics

1. Long-term: the longest loan term is 30 years (inclusive);

2. High amount: the maximum loan amount can reach 80% of the purchased house price;

3. Low cost: banks do not charge fees in the process of handling loans;

4. Flexible repayment methods: various repayment methods such as average capital or equal principal and interest can be adopted;

5. Good service: provide customers with efficient and convenient services such as repayment and factor change.