As long as there is a room, it is no problem to apply for a housing mortgage loan in Tianjin. Tianjin housing mortgage loan can be loaned for up to 30 years, and the house can be loaned for up to 70%.

1. Basic materials of housing mortgage loan:

1, ID card, household registration book and marriage certificate of both husband and wife;

2. proof of income of both husband and wife;

3. Property certificate of mortgaged property;

4. If there is any balance, the original bank loan contract shall be provided.

2. Housing mortgage loan handling process:

1. negotiate business and understand customer needs;

2. Sign a handling agreement and prepare materials;

3. Conduct on-the-spot investigation and evaluation of the house, and issue an evaluation report;

4. Banks grant loans face to face;

5. Apply for mortgage registration;

6. Bank loans;

7. Check the loan and repay it on a monthly basis;

3. Matters needing attention in handling housing mortgage loans:

1. The borrower is a legal natural resident of 18;

2. Require large-scale private property houses that have obtained property certificates, with a housing area of over 40 square meters and a house age of 30 years;

3. Loan amount: 70% of the total value of the loanable house, and 70% of the total value of the existing house can be mortgaged for the second time;

4. Loan term: the longest loan term is 30 years, and the longest loan term of the borrower cannot exceed 65 years;

5. Personal credit information that is seriously overdue and dissatisfied can be successfully handled!

2. Can a dealer apply for a mortgage loan in Tianjin?

The underlying business is also a Tianjin housing mortgage loan, which requires that the age of the house should not exceed 30 years, and the maximum loan can be 70%.

Housing mortgage loan application conditions:

1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 65 (exclusive); Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation;

2. Have a legal and valid identity certificate, household registration certificate (or valid residence certificate) and Ming);

3. Have a good credit record and willingness to repay;

4. Have a stable source of income and the ability to repay the loan principal and interest in full and on time;

5. There is a clear loan purpose; In what form does the loan flow into the securities market and futures market and be used for projects explicitly prohibited by national laws and regulations such as equity investment and real estate project development;

6. You can provide bank approval.

7. Open a personal settlement account in China Industrial and Commercial Bank;

8. Other conditions stipulated by the bank.

Housing mortgage loan application materials

1. The original and photocopy of the valid identity certificate, household registration certificate (household registration book or other valid residence certificate) and marital status certificate of the borrower and its spouse;

2. Personal income certificates, such as personal tax payment certificates and salary certificates, as well as the average finance in the past 6 months.

3. Certificate or statement of loan use;

4. Proof of ownership of the mortgaged property, if the mortgaged property has provided land;

5. Other documents or materials required by the bank.

3. Can shops and apartments in Tianjin apply for mortgage loans?

Can shops and apartments apply for mortgage loans in Tianjin?

Recently, many fans have asked me:

Can apartments and shops in Chengdu apply for mortgage loans?

In fact, as long as you have property rights, apartment shops can apply for mortgage loans. However, there are still some differences between apartment shop mortgage and residential mortgage.

Take a client I followed up last month for example ~

Mr. Zhou is engaged in clothing wholesale business and has a shop in Chengdu, with an area of140m2 and a value of about 3 million. Due to business needs, Mr. Zhou intends to mortgage this shop and borrow 2 million yuan.

Generally, the amount of loans given by banks to shops as collateral is only 50% of the valuation of shops. That is, 3 million shops can borrow 1.5 million through mortgage loans. Few banks can give a 60% quota to shops with good locations.

According to Mr. Zhou's situation, I matched him with a bank. Finally, 60% of the valuation was realized, that is, 654.38+0.8 million. The annual interest rate is 5.5%, with interest paid in advance for five years, at 5% per year.

From this case, it can be found that when applying for mortgage loans for commercial land such as apartments and shops, the amount and interest rate are not as advantageous as residential housing mortgage.

1, calculated according to the quota.

For apartments and shops with 40-year property rights, the mortgage loan amount is generally 50% of the collateral valuation.

2. Interest rate.

The loan interest rate of shops and apartments will rise a little on the basis of residential mortgage loans.

3. A few years.

The term of mortgage loans for apartments and shops is generally less than 5 years, and some banks can still achieve 10 years.

4. Application requirements

For mortgage loans for apartments and shops, banks generally require borrowers to have real operations.

Generally speaking, apartments and shops are not as popular as houses. It is mainly difficult to realize the realization of apartment shops and high taxes and fees.

There are not many banks in Tianjin that accept mortgage loans for apartments and shops, but there are also some good mortgage schemes.