1. Can I get a loan if I have a real estate certificate and deed?
If you have a local branch of our bank and meet the loan conditions, you can try to apply to our bank for various types of loans. The application requirements and conditions are different. First, what is the purpose of your loan? Loans from our bank are issued for specific loan purposes (such as buying a house, buying a car, running a business, studying abroad, etc.), and when applying for a loan, you must provide relevant supporting materials based on the "loan purpose". Since each branch carries out different types of loans, it is recommended that you first log in to the homepage of China Merchants Bank, click "Online Customer Service" in the upper right corner and select manual entry. After providing the city where the card is opened and the purpose of the loan, we will check for you whether the local branch has the type of loan you need. Application conditions and required materials.
2. Can I get a loan without a house deed certificate?
With a real estate certificate and land certificate, as long as the bank agrees to the loan, you can get a mortgage loan.
3. Can I get a loan with a real estate certificate?
The real estate certificate can be used for loans. To apply for a loan using a real estate certificate, you need to submit a written loan application to the bank with your ID card, household registration book, real estate certificate and other information, and go to the real estate management department at or above the county level to complete the mortgage registration procedures to use the loan. Legal Basis Article 25 of the "General Principles of Loans" If a borrower needs a loan, he or she shall apply directly to the sponsoring bank or the handling agency of another bank. Article 27 After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledges and guarantors, and determine the risk of the loan Spend. Article 29 All loans shall be signed by the lender and the borrower into a loan contract. The loan contract shall stipulate the type of loan, purpose of loan, amount, interest rate, loan period, repayment method, the rights and obligations of both borrowers and lenders, liability for breach of contract and other matters that both parties deem need to be agreed upon.