China Bank's consumer finance housing mortgage loan belongs to slippery jujube skin mortgage loan. The consumer loan of China Bank is the installment repayment business of microfinance banks. This loan type is a loan product promoted by China Bank in Suzhou, and it is a personal consumption loan product with mortgage. The maximum loan amount is 20 million, and the longest loan period is 10 year. Yanzu
Is it normal for the mortgage interest rates of financial companies to be as low as 1.8 in 20 years?
Normal. According to relevant data, the interest rate of housing mortgage loan is relatively low compared with other loan methods, so banks are generally lower than private loan companies in terms of loan interest. Hail mortgage loan requires the service life of the house to be less than 20 years, the house area to be more than 50 square meters, and the house is highly mobile. The amount of mortgage loan is 70% of the appraised value of the house.
Is the mortgage loan of the finance company in cooperation with the bank?
Real estate mortgage loans of financial companies are in cooperation with banks.
1. The lender consults with financial institutions, fills in the application for housing mortgage and submits relevant loan materials.
2, financial institutions to review the application materials submitted by the borrower. Scattered sail conjecture
3. After approval, both parties sign a loan contract.
4. The financial institution shall register the borrower's mortgage.
How to borrow a house mortgage loan
The process of real estate mortgage loan is basically as follows: specifically, the lending institution of Xiangku Nanying shall prevail.
Signature of noodles and tomatoes (household signature or door-to-door signature) → real estate assessment → household registration of business premises → approval → notarization → mortgage → loan.
Precautions:
(1) Find a suitable lending institution.
Different lending institutions have different loan rules and conditions. For example, some banking institutions only accept real estate in urban areas as mortgage loans, while some lending institutions have no geographical restrictions on housing. Therefore, borrowers can compare with several lending institutions and choose the institution suitable for their own situation to handle housing mortgage loans.
(2) Have good personal credit.
Housing mortgage loans do not have high requirements for borrowers, but it does not mean that there are no requirements. If you have a bad credit record, it is more difficult to get a loan. In addition to not having a bad credit record, it is best to have a stable job that can provide bank running water, so it is easier to apply for housing mortgage loans.
(3) The house should be liquid.
Some properties that are too old or too small are of little value, and some banks will not handle mortgage loans; Some property rights are unclear, so it is impossible to apply for real estate mortgage loans. Therefore, the property right of the house should be clear and meet the conditions of listing and trading. Only with liquidity can the mortgage loan be successful.
How about 2 1 century financial real estate mortgage company?
2 1 century financial real estate mortgage company is very good.
2 1 Century Financial Real Estate Mortgage Company's business scope is mainly housing mortgage loans, and professional financial service personnel provide advice and help to customers. The company's loan approval speed is faster, which can provide timely financial support for customers. The financial services provided by the company can be designed according to the different needs and actual situation of each customer. For example, the repayment method and term can be adjusted according to the needs of customers.
2 1 century financial real estate mortgage companies usually offer more favorable interest rates in some promotional activities to bring benefits to customers.
This is the end of the introduction of real estate mortgage of finance companies, and whether the real estate mortgage of finance companies cooperates with banks. I wonder if you found the information you need from it?