If you are going to apply in China Merchants Bank, you can apply in the following ways: 1. If you have applied for housing mortgage loan in China Merchants Bank, please contact the handling bank to apply for the exclusive parking loan for supporting house purchase; 2. If you have your own property mortgage, you can also apply for a consumer loan to buy a car.
2. Which bank is good for parking loan? It is better to find a personal mortgage bank.
Generally, applying for parking space loans is together with personal housing loans, that is, applying for personal housing loans can be used to buy self-occupied housing and supporting parking spaces in residential areas, and applying for personal commercial housing loans can be used to buy shops and independent property parking spaces. Therefore, it is better to find your own mortgage bank to buy a parking loan. Of course, if you don't have a mortgage, you can also apply for a parking loan directly. The following are the parking loans of the four major commercial banks for your reference.
Which bank is good for parking loan? 1. China Industrial and Commercial Bank can apply for supporting parking spaces with personal housing loans, which can be handled directly according to the provisions of personal housing loans. The requirement is to apply for a mortgage at ICBC, and the mortgage has not been paid off. The loan period of parking space shall not exceed the remaining mortgage period, the longest loan period shall not exceed 10 year, and the loan amount of parking space shall not exceed 70% of the transaction price. 2. Agricultural Bank of China requires the applicant to apply for mortgage loan in Agricultural Bank of China. If the mortgage has been paid off, it may be necessary to submit the property rights of the house again as collateral. The loan period of parking space shall not exceed 10 year, and the loan amount of parking space shall not exceed 60% of the appraised house price. 3. China Construction Bank launched a portfolio loan for the renovation of housing parking spaces, that is, customers can apply for parking spaces with independent property rights at the same time when applying for housing loans. At present, the specific parking loan requirements, term and corresponding amount are subject to the local bank outlets of the Bank. In addition, in Guangzhou, CCB also provides credit card parking space installment business, which can ease the financial pressure on customers to purchase parking spaces through credit card installment repayment. 4. China Bank realizes parking space installment by handling credit cards, and the maximum loan amount for parking space installment is about 654.38+10,000 yuan, depending on the actual situation of the bank. The above is about "which bank is good for parking loan", I hope I can help you.
3. What if the developer pays the parking space deposit and the loan is not approved?
Generally speaking, if your loan is not approved, it is your breach of contract, because the developer has written all this in the contract, just like doing real estate mortgage, but your situation is that a salesperson verbally promised you and recorded it, so it is not your breach of contract. You can keep the recorded material. Of course, the lawsuit is more troublesome. You can use this recording to question and negotiate with the developer. But the premise must be maintained to prove that the other party promised you. We will coordinate through 123 15 in the early stage. Try not to be too troublesome.
4. Where should I get a parking loan?
This is a car loan from China Construction Bank. You can refer to it ~ ~
Basic rule
1. Loan target: a natural person with full civil capacity, aged between 18 and 60.
2. Loan amount: if the purchased vehicle is for personal use, the loan amount shall not exceed 80% of the price of the purchased vehicle; If the purchased vehicle is a commercial vehicle, the loan amount shall not exceed 70% of the price of the purchased vehicle, of which the loan amount of the commercial vehicle shall not exceed 60% of the price of the purchased vehicle; If the purchased vehicle is a used car, the loan amount shall not exceed 50% of the price of the car purchased by the borrower, and the loan amount shall not exceed 200,000 yuan;
3. Loan term: If the purchased vehicle is for personal use, the loan term shall not exceed 5 years; The purchased vehicle is a commercial vehicle or a used car, and the loan period is no more than 3 years;
4. Loan interest rate: subject to the loan interest rate regulations of China Construction Bank;
5. Guarantee method: To apply for personal car loan, the borrower must provide certain guarantee measures, including pledge, mortgage of the car purchased by the loan, mortgage of real estate, third-party guarantee, etc. You can also buy personal car loan performance guarantee insurance.
6. Application materials to be provided:
(1) Personal loan application;
(2) Personal valid identity documents. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan. If the borrower is married, the identity certificate of the spouse shall be provided;
(3) proof of household registration or long-term residence;
(4) personal income certificate, family income or property certificate when necessary;
(5) Certificate of intention to buy a car issued by the automobile dealer;
(6) proof of down payment for car purchase;
(7) If the purchased vehicle is secured by other means than mortgage, the relevant materials of the guarantee shall be provided, including the certificate of pledge of rights, the certificate of ownership and evaluation of mortgaged real estate, and the letter of intent for third-party guarantee, etc.
(8) If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the affiliation agreement and lease agreement for the vehicle to be affiliated with the transportation fleet;
(9) The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to purchase a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.
Processing channels and procedures
1. Handling channel: Personal car loan business is handled through the branches of China Construction Bank. In some large and medium-sized cities, the auto finance service center set up by China Construction Bank specializes in personal auto loan business, and the personal loan center is also a professional accepting institution for auto loans.
2. Processing flow:
① The borrower submits the application materials;
② The handling bank conducts preliminary examination of the application materials submitted by the borrower, and conducts credit investigation and customer evaluation on the borrower;
(3) Examining and approving loan applications that meet the loan conditions through preliminary examination and credit investigation;
(4) If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;
⑤ After the loan contract comes into effect, the handling bank will issue the loan. Special loan method is adopted, that is, according to the loan contract, the handling bank directly transfers the loan to the dealer account of the borrower's car purchase.