1. All major banks have mortgage loan business, but the policy conditions are different. However, most banks need a name to make loans, such as consumer loans, business loans, and mortgage loans. Old to new, etc., the interest rate of this type of loan is higher than that of ordinary commercial loans for house purchase, but the maximum loan term is usually around 10 years.

2. However, the interest rate for mortgage loans is lower than that of local commercial banks or credit unions, and the loan terms are also longer. Most credit unions generally allow loans for 1 to 3 years, but the longest is 5 years. of. It is recommended that you bring your real estate certificate to the relevant bank mortgage department for consultation, and also prepare some proof of your own credit, such as your income certificate, documents or contracts for doing business or opening a company, etc. These can reduce the difficulty of your loan approval. .

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What are the restrictions on second-hand housing loans?

1. Property ownership certificate: a commercial house that has obtained a real estate certificate, or you can obtain a real estate certificate immediately and move into a commercial house; the house age requirement is ordinary housing not exceeding 20 years and other real estate not exceeding 15 years; ordinary The maximum loan ratio for housing is 80%, and for other properties, the maximum loan ratio is 60%.

2. The loan term needs to be such that the sum of the used years of ordinary properties and the loan period shall not exceed 30 years at most, and the sum of the used years of other properties and the loan period shall not exceed 20 years. The loan period The sum of the actual age of the borrower and the borrower must not exceed 65 years old.

3. Regarding the income certificate and repayment ability, the bank requires the borrower to provide income certificate when approving the loan. If the applicant's income is low, provide some other family assets such as: large amount Deposits, bonds, real estate, etc. can also be used as proof of income, and banks will generally make reference.

4. We also need to remind everyone that loans are not available for some second-hand houses, such as relocation houses, resettlement houses, public houses, corporate maternity houses, houses with small property rights and other second-hand houses with incomplete property certificates. When buying a house, you should pay attention to whether there is a title certificate

Which bank can provide house mortgage loans? Now many banks have mortgage loan business, and the policies and conditions are different. The specific Specific mortgage procedures need to be carried out according to the specific regulations of the bank. What are the restrictions on second-hand housing loans? Second-hand housing can also be used for mortgage loans, but you need to know more about these things that need to be noted, so that you can also have a good reference for mortgage loans.