All banks have the conditions for housing loans, and the basic conditions are mostly the same. You can only apply for a loan if you meet the conditions. The specific loan conditions of each bank are different, but they are basically the same, as follows:
2. Which banks in Chongqing can make housing mortgage loans?
Basically all banks can handle it.
Housing mortgage loan handling process
1, the purpose, amount and life of the loan proposed by the borrower when applying for the loan.
2. Prepare loan materials
3. Appraisal of house-viewing: The relevant institutions conduct on-the-spot investigation, appraisal (survey) and valuation of mortgaged houses.
4. Submit all loan application materials together with the evaluation report or survey and evaluation opinions to the bank for approval.
5. Notarization of loan contract
6. Mortgage registration procedures
7. Bank loans.
What does the collateral include and what is the assessed value?
Collateral includes: houses, apartments, office buildings, villas and shops.
Of course, what we are most concerned about is the assessed value of collateral.
Houses and villas can be valued at about 7-90%.
Apartments, office buildings and shops can be valued at about 50%.
If the credit is good, the income is stable and the source of repayment is clear, the amount will be higher.
At present, the interest of mortgage loan is 3.3%-4.25% per annum, with equal principal and interest, with interest first and principal later. The maximum term of a single loan is 654.38+million years, and customers can choose the loan term according to their actual situation.
Application conditions:
1, individuals or business owners can.
2. The property is in Chongqing.
3. At least 18 years old, but not more than 70 years old.
4. Good credit information
5. There are repayment sources.
The above is the process and interest of bank mortgage loan.
One is private mortgage loan, which is quite simple. As long as the credit information is good and the source of repayment is clear, the next repayment can be made on the same day. The interest amount is 300,000-30,000,000 yuan, which can be interviewed at a low interest rate, with a term of 1 month-1 year, with interest before capital, and flexible operation.
In addition, we also handle various bank loans, such as secondary mortgage, decoration loan, personal credit loan, enterprise credit loans, bridge crossing, mortgage loan and other products.
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Can I get a loan from Chongqing Rural Commercial Bank within 30 days?
Generally speaking, you can apply for a loan once your credit is overdue. According to the relevant regulations, if the borrower is overdue for three or six times in two years, you will not be able to apply for a bank loan.
However, although the bank has a rule of "three times a week, six times a week", borrowers should not take any chances, thinking that one or two overdue loans will not have much impact. You should know that these bad records will be truthfully recorded in the personal credit report. Although it will not affect the loan application, it will still have a certain impact on the loan amount and approval. In addition, if the borrower feels that the bank loan threshold is high, he may wish to apply for a loan through a local private loan company. Compared with banks, private lending companies have less strict requirements for borrowers' credit reporting and faster lending. However, private loan companies charge more than banks, so borrowers should pay attention. 4. What small banks in Chongqing can handle housing loans?
All banks have the conditions for housing loans, and the basic conditions are mostly the same. You can only apply for a loan if you meet the conditions. The specific loan conditions of each bank are different, but they are basically the same, as follows: