Generally, you need to work for more than half a year before you can apply.

Housing commercial loans are self-operated loans issued by banks using their credit funds. Specifically refers to the housing business that a natural person with full civil capacity applies to the bank as a guarantee for repayment of the loan when purchasing a self-occupied urban home in this city, using the purchased property housing (or other guarantee methods approved by the bank) as collateral. Mortgage loan (mortgage loan is a type of commercial loan).

Loan classification

1. According to the term, it is divided into short-term loans, medium-term loans and long-term loans.

Short-term loans refer to loans with a loan term of less than 1 year (including 1 year).

Medium-term loans refer to loans with a loan term of more than 1 year and less than 5 years (including 5 years)

Long-term loans refer to loans with a term of 5 years (excluding 5 years) ) and above.

2. According to the loan method, it is divided into three types: credit loan, guaranteed loan (guaranteed loan, mortgage loan, pledge loan) and bill discount.

(1) Credit loan refers to a loan issued with the creditworthiness of the borrower as a guarantee.

(2) Guaranteed loans refer to guaranteed loans, mortgage loans and pledged loans issued in accordance with the "Guarantee Law of the People's Republic of China".

1. Guaranteed loan means that the borrower provides a guarantor approved by the company. According to the guarantee method stipulated in the "Guarantee Law", the guarantor promises that when the borrower cannot repay the principal and interest of the loan, the guarantor will pay the loan in accordance with the loan contract. A loan granted under an agreement to assume general guarantee liability or joint and several liability.

2. Mortgage loan refers to a loan issued in accordance with the mortgage method stipulated in the "Security Law", using the property of the borrower or a third party as collateral and approved by the Company.

3. Pledge loan refers to a loan issued in accordance with the pledge method stipulated in the "Security Law", with the movable property or rights of the borrower or a third party as pledge and approved by the Company.

(3) Bill discount refers to the loan issued by the Company by purchasing the borrower's unexpired bank acceptance bill.

Loan period: The loan period of a finance company generally does not exceed 5 years; the discount period does not exceed 6 months at most, and the discount period starts from the discount date to the expiration date of the document.