Because of the complicated mortgage procedures, the value of parking spaces is not as high as that of real estate. If a parking space with a price of more than100000 yuan is evaluated, its evaluation value will be below100000 yuan, so many banks will not accept this loan. But many online lending companies can accept it. The premise is that the parking space must have a property certificate.

But in general, the interest rate of online lending companies is a little higher than that of banks. If the landlord is in urgent need of money, he can use the parking space to borrow from the loan company for one or two months, and at the same time apply for a loan from the bank with the property as collateral. After the bank loan is approved, he can go to the loan company to cancel the mortgage. If the loan applied by the bank can't be done, it can only be loaned through online lending institutions.

There are many loan companies in Shantou, but the most terrible thing is to find a formal loan company, not a black one. First of all, we should check whether the loan company has a business license and whether it operates legally. Secondly, we should learn to look at the contract to see whether the charges are legal and whether there are hidden charges outside the contract. As far as I know, local online lending institutions in Shantou have Runye Finance. There are many other loan companies, you can search online, check the qualifications and find out. It is reasonable that the comprehensive interest rate of general loans should not exceed 15%. If it exceeds, it will be carefully considered.