Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no bad credit record;

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract, the age of the house is within 10 years, and the down payment of not less than 30% of the total price of the purchased house has been prepared or paid;

If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

Being able to provide effective guarantee recognized by the loan bank;

Other conditions stipulated by the lending bank.

Second, what are the conditions for real estate mortgage loan?

Latest real estate mortgage loan conditions:

1. Age 18-55 years old;

2. The general mortgage loan amount is 50% to 70% of the real estate appraisal price;

3. The maximum age of the house is within 20 years (a few banks can do it within 30 years, and most of them have spare rooms, which is easier to approve);

4. The term of house mortgage loan is generally 1 year-10 year, and the longest term can reach 30 years;

5. The loan interest rate of mortgage loan is generally10%-20% of the benchmark interest rate;

6. Have a certain source of repayment;

7. Other materials, such as proof of assets;

8. Acceptable types of real estate include commercial housing, houses, shops, mortgage houses, office buildings, office buildings, etc.

9. Personal or company credit is good, and overdue cases are as few as possible.

Mortgage institutions will consider three factors:

1, considering liquidity.

In the future, banks will be more strict in the examination of collateral, and collateral must have good liquidity before it can be used as collateral. Collaterals that are difficult to realize and have poor liquidity may be rejected.

For example, Xiao Zhang and Xiao Wang also applied for a mortgage loan from the bank. Xiao Zhang has a two-bedroom, one-bedroom house in the city center, with a good location and an estimated value of 654.38+0 million; Xiao Wang has a big bedroom in the suburbs, and the traffic is a little inconvenient. The valuation is 2 million. Who can get the loan? There is no doubt that it is Xiao Zhang, because his house is easy to realize, and the realization situation is very optimistic.

2. Assess dynamic risks

Banks will take a more cautious attitude towards collateral, including taking more cautious measures on the attributes, property rights and evaluation of collateral, and dynamically evaluating the value and risk of collateral.

3. Consider the repayment ability of the lender.

Loans are issued on the premise of comprehensive evaluation of the debtor's solvency, which means that you can get loans without collateral in the future. Banks will assess the risks of borrowers from all aspects, and the assessment of borrowers' solvency will be stricter.

Warm reminder: the normal lending time of bank loans is generally 35~40 working days. Most banks only accept loans from clearing houses, and the loan policy will only become more and more strict. Take advantage of the fact that it is still a transitional period, and get a loan if there is a loan demand!

If in doubt, you can consult BOC Finance online.

3. What information or documents should be provided for the registration of real estate mortgage in Dongguan?

Materials that the company needs to provide: copy of business license (with declaration), copy of organization code certificate (with official seal), original identity certificate of legal representative (with official seal), original identity card of legal person (with official seal), original power of attorney (with official seal), copy of trustee's identity card (verified), real estate mortgage inquiry record (with official seal of both parties), original application form for real estate registration (with official seal of both parties), And real estate registration certificate (original and photocopy) (seal) Loan contract (original) Maximum mortgage contract (ordinary mortgage contract) (original) Collateral list (original) (attachment to mortgage contract) Resolution of shareholders' meeting or resolution of board of directors (original) (signed by directors or shareholders attending the meeting with their fingerprints) Articles of Association (photocopy and seal) Original letter of guarantee (sealed by guarantor and signed by legal representative of guarantor with their fingerprints).

4. What are the requirements for real estate mortgage loans in Dongguan?

The most basic requirement is within 25 years, and the rest depends on the applicant's own conditions.