I. Agricultural Bank of China
housing mortgage loan
Conditions:
Housing mortgage loan requires that the housing area exceed 50 square meters within 20 years, and the housing must have strong cash conversion ability.
Bank real estate mortgage loan value: the mortgage loan amount is 70% of the house appraisal.
Term of bank real estate mortgage loan: the loan term shall not exceed 30 years for new house loans and 20 years for second-hand houses.
Preferential interest rate of bank real estate mortgage loan: The loan interest rate is subject to the similar loan interest rate and the regulations of the People's Bank of China.
Second, Minsheng Bank real estate mortgage loan conditions:
Commercial loan link:
The term is 36 months and the interest is paid every month. The principal is repaid once a year, accounting for 70% of the assessed value. The area is more than 70 square meters, the service life is after 2000 (individual properties are treated separately), the benchmark rises 10%-30%, and the interest rate rises by 30%-40% before 2000.
Consumer loans:
1, with full capacity for civil conduct, and you and your family have no bad credit history.
2 business units own or control individual industrial and commercial households, small and medium-sized enterprises and other business units, and have no bad credit records.
3. Your real net assets are not less than 500,000 yuan, belonging to real estate, such as real estate and cars.
4 engaged in productive and commercial investment activities (including contracting and leasing activities), in principle, it is necessary to have more than three years of industry experience, and have a fixed business place where our institution is located, and have been operating for more than two years.
In principle, you need to have a permanent residence or an effective residence in our town and a fixed residence.
6. Open a personal settlement account with our bank. Your enterprise opens an enterprise settlement account with our bank.
7. Other conditions stipulated by the bank.
Materials required for applying for bank real estate mortgage loan:
1. Original and photocopy of the borrower's ID card and household registration book.
2. Proof materials of enterprise assets owned or controlled by the borrower, such as financial statements, bank statements, tax bills, cargo transportation lists and other materials.
Three. Conditions and procedures of China Bank's real estate mortgage loan;
Operating real estate mortgage loan of China Bank:
The term is 36 months and the interest is paid every month. Repay the principal once a year, accounting for 60% of the assessed value. With an area of more than 80 square meters, after 95 years of service life (individual properties are treated separately), the benchmark will rise 10%-30%.
As an efficient and practical financing method, working capital loan is one of the most common products in credit line, which has the characteristics of short loan term, simple procedures, strong liquidity and low financing cost.
Consumer loan (or double loan):
The term is 60 months, and it will be paid monthly or quarterly within 1 year. Debt is due every six months or once. 1-3-year loans can be repaid monthly or quarterly, and the repayment method is half a year. According to the customer's qualification, the principal and interest will be repaid monthly for more than 3 years. The evaluation value is 6. It covers an area of more than 80 square meters and has a service life of 95 years. Conditions for applying for real estate mortgage loan from China Bank:
1. The borrower shall be an enterprise, institution legal person and other economic organization that has been approved and registered by the administrative department for industry and commerce (or the competent authority), holds a business license issued by the administrative department for industry and commerce and passed the annual inspection.
2. The borrower must obtain our credit rating and meet certain requirements. The Bank will adjust and determine the access level from time to time according to the review needs, with specific reference to relevant regulations.
3. The purpose of the loan conforms to the national industrial policy and relevant laws and regulations.
4. The borrower has a sound management organization, qualified leaders and strict management system; The enterprise is in good operating, financial and credit conditions, and has the ability to repay the loan principal and interest on time.
5. The borrower opens a basic account or general account in China Bank.
6. Meet the requirements of other relevant loan policies of Bank of China.
After reading the above article, you can know what the conditions of bank real estate mortgage loan are. When applying, you must prepare the materials in advance according to this condition. If necessary, it will save time to go to the bank for information in advance! Of course, when applying for a loan, you must do what you can to avoid not paying off the loan in time and causing unnecessary debts!