Which bank accepts mortgage loans for small property rights?
State-owned banks will not accept it, and local banks and commercial banks generally do not accept it. Try a small loan or guarantee company. Which banks can provide real estate mortgage loans?
Banks that can apply for real estate certificates as mortgage loans: Bank of China, China Construction Bank, Industrial and Commercial Bank of China, China Merchants Bank, and private loan companies. All major banks have mortgage loan business, but the policy conditions are different. However, most banks need a name to make loans, such as consumer loans, business loans, mortgages to buy new ones, etc. These types of loans The interest rate is higher than that of ordinary commercial loans for home purchases, but the maximum loan period is usually around 10 years; however, the interest rate is lower than that of mortgage loans in local commercial banks or credit unions, and the loan period is also longer. Generally, credit Most social institutions allow loans for 1 to 3 years, but the longest is 5 years. It is recommended that you bring your real estate certificate to the relevant bank mortgage department for consultation, and also prepare some proof of your own credit, such as your income certificate, documents or contracts for doing business or opening a company, etc. These can reduce the difficulty of your loan approval. .
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Characteristics of house mortgages of various banks:
1. Bank of China’s personal real estate mortgage revolving loan is the most effortless: mortgage revolving loan. It is not difficult to see this product. It has the characteristics of one-time application, repeated use, and borrowing and returning at any time. It is especially suitable for business owners who pursue "short-term, frequent and fast" and have recurring loan needs.
2. China Construction Bank’s personal consumption loans are the most economical: many banks’ loan interest rates are slightly raised based on the base interest rate, while China Construction Bank keeps the base interest rate unchanged.
3. Industrial and Commercial Bank of China personal business loans are the most time-saving: Industrial and Commercial Bank of China is slightly better in this regard due to its efficient work efficiency. The loan can be approved in as fast as 5 working days. Industrial and Commercial Bank of China real estate mortgage loans It is also widely used.
4. China Merchants Bank’s real estate mortgage loans are 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 those friends who do not meet the bank’s application threshold and are in urgent need of money. In terms of loan threshold and processing speed, private loan companies are far behind Far more advantageous than banks.
6. Nowadays, most commercial banks can handle house mortgage loans, but the premise is that the house must meet the mortgage conditions. Generally, properties under mortgage cannot be used for mortgage loans. This needs to be noted.
7. Although banks can apply for home mortgage loans, not everyone can get it. If the repayment ability is not strong or the credit is stained, even if there is a real estate as a mortgage, it is very likely to be rejected by the bank. Outside the door, you can consider a loan company at this time. Which bank can lend money to properties with small property rights
Our bank accepts commercial housing/commercial housing with clear products and strong liquidity as collateral, and requires that the property rights certificate has been completed, can be listed and circulated, and can Mortgage registration is carried out in accordance with the law, and there are no unfavorable realization situations such as property rights disputes.
For specific information on whether farmers’ houses, demolished houses, self-built houses, fund-raising houses, houses with small property rights, etc. can apply for loans, it is recommended to contact the local loan department directly for consultation. Which banks can handle home mortgage loans? Which bank is better to choose?
Both the lender and the house must meet the application conditions of the corresponding institution and the reasonable use of home mortgage loans, and they vary according to the repayment method, term, etc. , the interest rates will also be different, please consult the local corresponding application agency for details.
Warm reminder: Online lending is risky, so be careful when choosing. If you have funding needs, it is recommended that you apply through formal loan platforms or official bank channels. Ping An Bank has launched a real estate mortgage loan - Ping An Home Mortgage Loan, with a limit of up to 20 million. You can log in to the Ping An Pocket Bank APP - Homepage - Loans - Home Loans - Ping An Home Mortgage Loan to understand and try to apply. Whether you can be successfully approved depends on you. comprehensive qualifications.
Response time: 2022-01-07. For the latest business changes, please refer to the official website of Ping An Bank.