Parking spaces can be bought by loans, and all banks can apply.

The repayment method of personal parking mortgage loan is equal to the repayment method of principal and interest, equal to the repayment method of principal or other methods agreed in this contract; If the loan term is within 1 year (including 1 year), the principal and interest can also be repaid in one lump sum. The loan object is a natural person with full civil capacity, who has mortgaged the commercial house with parking space in our bank, or merged with the commercial house for mortgage loan, and the repayment record is good. The maximum loan limit shall not exceed 70% of the value of the car space purchased, and shall not exceed the approved proportion of the corresponding housing mortgage loan. The minimum loan period shall not be less than 6 months (inclusive), and the longest shall not exceed 20 years (inclusive), and shall not be longer than the remaining life of the corresponding commercial housing mortgage loan. Application materials:

1, loan application form and signed by the borrower;

2. Legal and valid identity documents;

3. Marriage certification materials;

4. Proof of economic income recognized by the bank;

5. Contracts, agreements or other valid documents for purchasing parking spaces or purchasing parking spaces with houses;

6, the mortgage secured by the loan has the right to dispose of the certificate of consent to mortgage;

7. The original and photocopy of the down payment invoice for the car parking space, or the current all-in-one account opened by the borrower in the bank and deposited with the full down payment, and provide a power of attorney authorizing the bank to freeze and the developer to transfer the full house payment to the purchased first-hand housing real estate development enterprise after fulfilling the corresponding obligations stipulated in the house sales contract;

8. The auction house shall provide a copy of the pre-sale permit, and the existing house shall provide a large-scale production certificate (the supplementary explanation shall include the details of the transaction housing) and a confirmation form;

9. Authorize our bank to inquire about the personal credit information system of the People's Bank of China and record the relevant documents of the inquiry results (the borrower only needs to sign the "Borrower's Statement Column" of the loan application form);

10. Copy of debit card, current all-in-one savings account, current all-in-one savings account name and debit card account name opened in branches within the jurisdiction of the Bank must be consistent with the loan applicant;

1 1. High-quality customers must fill in our preferential plan for high-quality customers;

12, pre-loan investigation report;

13. Other supporting documents or materials required by the bank.

2. Can I get a loan to buy a parking space?

This is divided into two situations:

One is that if you simply buy a parking space, you can't buy it with a loan.

The other is that if you have a house in this community, you can borrow money to buy a parking space.

In addition, loans to buy parking spaces generally provide purchase contracts and personal information.

In fact, if you have no financial resources and need a loan to buy a parking space, I suggest you pay a monthly rental fee and use a higher parking space.

3. Can I get a loan for buying a used car?

If you intend to apply for a parking loan through our bank, you can apply in the following ways:

1. If you have already applied for a housing mortgage loan in our bank, you can contact the handling bank to apply for an exclusive parking loan for supporting house purchase;

2. You can also mortgage your own property and apply for personal consumption loans to buy parking spaces.

Fourth, can I buy it with a loan?

Spread out completely

Generally speaking, the parking loan business launched by banks at present is only for customers who have applied for first-hand housing loans in banks, and the loan interest rate is implemented according to the consumer loan interest rate for the same period. However, different banks have different regulations on parking loan business.

ICBC requires that individuals who apply for personal parking loans have applied for primary housing loans in ICBC, and the housing loans have not been paid off, and the applicants have purchased parking spaces in their residential areas. When handling the parking loan, the bank will evaluate the parking space, compare it with the transaction price of the purchased parking space, and give a certain amount of parking space loan at a lower price, with the highest proportion not exceeding 70% of the transaction price of parking space. If the price is lower in the evaluation price, the loan period will not exceed 65,438+00 years and be less than the remaining repayment period of the housing loan.

Individuals applying for parking spaces in the Agricultural Bank of China need to provide a set of full-property houses as loan collateral in addition to handling the first-hand housing loan business in the Agricultural Bank of China. The loan amount is determined according to the appraised price of the mortgaged house and the personal credit evaluation of China Agricultural Bank. The maximum loan amount cannot exceed 60% of the mortgaged real estate assessment price, and the longest loan period cannot exceed 10 year. The parking space loan of Bank of Communications cannot exceed 70% of the transaction price, and the parking space loan for housing loan alone cannot exceed 10 years. Minsheng Bank's parking space loan target is limited to the first-hand housing loan customers who purchase parking spaces in the community. The term shall not exceed 10 year, and the maximum shall not exceed 60% of the transaction price of the parking space.