Category: Business/Financial Management

Problem description:

I want to use my house as a mortgage loan to contract buses. I don’t know which bank is good or what kind. process. How much is the interest? I hope everyone can tell me what to do. Thanks!

Analysis:

Schematic diagram of the process of personal comprehensive consumer loans:

1. Mortgage loan

1. Collateral: borrowing The property owned by the owner or a third party has a "property certificate".

2. Mortgage process:

(1) Bring the real estate certificate to the district or county real estate bureau where the property is located and ask whether the property is delinquent and you can apply for real estate mortgage registration;

(2) If you get a definite answer that can be processed, please go to the CCB Personal Comprehensive Consumer Loan Agency to apply for a mortgage loan with your "real estate certificate" and relevant personal information;

(3) CCB designated property appraisal The institution evaluates the applicant's own property and submits a property assessment report, charging a handling fee of 3‰ of the assessed value;

(4) CCB assists the applicant in handling property insurance procedures and corresponding loans Approval procedures, the maximum loan amount shall not exceed 70% of the appraised value, and the loan contract and mortgage contract shall be issued with approval;

(5) The borrower shall bring the real estate certificate and loan contract to the district and county real estate bureau where the property is located The agency fees for handling the mortgage registration procedures shall be borne by the borrower;

(6) Only after the mortgage registration is completed, CCB can disburse the loan to the borrower's personal savings account.

2. Pledge Loan

1. Pledged property: the certificate of rights legally held by the borrower or a third party, including:

(1) Valuable property securities. Including financial bonds, AAA corporate bonds, and *** bonds issued by the Beijing Branch as an agent (except those that cannot be pledged according to laws and regulations);

(2) Certificate-type treasury bonds issued by the Beijing Branch as an agent (after 1999 issued);

(3) Personal local and foreign currency fixed savings deposit certificates and fixed-term all-in-one passbooks issued by Beijing Branch;

(4) Other legal and valid certificates recognized by Beijing Branch certificate of authority.

2. Pledge process:

(1) Go to the individual comprehensive consumer loan agency with the certificate of rights to apply for a pledged loan;

(2) Check the pledge Certificates of rights and pledge registration for those that meet the conditions;

(3) CCB receives the certificates of pledge rights and goes through the loan approval procedures. The maximum loan amount shall not exceed 90% of the face value of the certificate of pledge rights, and it shall be agreed with the approval The applicant for the loan signs a loan contract and a pledge contract;

(4) CCB disburses the loan to the borrower's personal savings account.

3. Combination Loan

The borrower can apply for the same personal comprehensive consumption loan by mortgaging or pledging the certificate of rights. The loan amount is accumulated according to the loan amount allowed by the two guarantee methods. The loan process Same as above. 4. Credit Loans

1. The borrower applies for a comprehensive personal consumption loan based on his or her own credit. CCB determines the loan amount based on the borrower’s credit status, with a maximum of RMB 600,000.

2. The loan applicant provides information (the following information is provided if possible);

(1) My valid ID card, household registration book, and military officer ID card.

(2) Credit investigation letter issued by the unit where you work, including the nature of the occupation and employee stability.

(3) Personal comprehensive monthly income certificate.

(4) Personal work certificate and representative salary record or salary list.

(5) Educational certificates and professional title certificates.

(6) Proof of housing situation such as real estate certificate or house rental contract.

(7) Marital status and children.

(8) Recent payment slips or neighborhood committee certificates for water, electricity, gas, telephone bills, etc.

(9) Proof of personal loans and other business transactions related to CCB.

(10) Personal Long Card credit card and statement for the past six months.

(11) Other financial asset certificates (such as stock delivery receipts, savings, personal insurance, funds, treasury bonds, etc.)

(12) Other information that needs to be provided based on the actual situation of the customer .

3. The account manager determines the loan amount and term according to the borrower's credit rating, carries out the loan approval procedures, and the loan amount does not exceed the amount allowed by the corresponding credit rating, and signs a loan contract with the applicant who has approved the loan. .

4. CCB disburses the loan to the borrower’s personal savings account.

Loan term half a year, two years, three years, four years and five years

Annual interest rate 5.58 5.85 5.94 5.94 6.03 6.03

Monthly interest rate ‰ 4.65 4.875 4.95 4.95 5.025 5.025

Average monthly loan repayment amount starting from the next month (yuan) 442.93 303.95 234.99 193.47