The so-called letter of credit mortgage loan means that the beneficiary needs to borrow money from the bank to buy raw materials or commodities because he has no funds or has a gap in funds. Therefore, he mortgaged the letter of credit he received to the bank and lent some funds for the above purpose. The beneficiary will repay the bank's loan and interest after receiving the payment from the issuing bank.
Where is the national housing mortgage loan?
Banks that can handle real estate mortgage loans are: China Bank, Agricultural Bank, China Construction Bank and Industrial and Commercial Bank. All major banks have mortgage business, but the policy conditions are different. __
Dear, real estate mortgage loan requires real estate to meet the following conditions: clear property rights, meeting the conditions for listing and trading stipulated by the state, no other mortgage, the total house age and loan period of the house cannot exceed 40 years, the mortgaged house is not in the local urban reconstruction plan, and there are real estate licenses and land certificates.
Institutions that can mortgage loans
Banks that can handle real estate licenses as mortgage loans: China Yinpina Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies. All major banks can apply for mortgage loans, but the policy conditions are different, but most banks need a name to make loans, such as consumer loans, such as commercial loans, such as buying new ones and so on. The interest of such loans is higher than that of ordinary commercial loans, but the longest loan period is mostly around 10; However, the interest rate of mortgage loans is lower than that of local commercial banks or credit cooperatives, and the annual loan coverage is longer. Most credit cooperatives allow loans for 1~3 years, but the longest is 5 years. I suggest you take the real estate license to consult the mortgage department of the relevant bank, and prepare some credit certificates of your own, such as your income certificate, your business or company certificate or contract, etc. , can reduce the difficulty of your loan approval.
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Characteristics of mortgage loans of banks:
1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.
2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.
3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.
4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.
5. As a supplement to the bank's real estate mortgage loan business, private loan companies can meet the needs of friends who are in urgent need of money without the bank's handling threshold. In terms of loan threshold and processing speed, private loan companies are far superior to banks.
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This is the end of the introduction of domestic mortgage and domestic mortgage interest rate. I wonder if you found the information you need from it?