. In the absence of a company, can I apply for a higher loan amount if I want to apply for a mortgage loan with my own property? No company can handle mortgage loans? The following small series of aliens will explain it in detail for everyone.
No company can make a mortgage loan?
First, we need to correct it. Nowadays, many people think it is necessary for companies to apply for mortgage loans. Simply put, it is necessary to have a business license. Actually, this is a misunderstanding.
Housing mortgage loans include consumer loans and commercial loans. If you apply for a mortgage loan, you need to provide the company's business license, but consumer mortgage loans can be handled by individuals without a company. However, the amount and duration of these two loan methods are different.
When a bank handles consumer loans, it mainly depends on the borrower's personal income, bank flow and liabilities, and the maximum loan amount that can be applied for is 654.38+00,000 yuan. For ordinary office workers, it is difficult to apply for 3 million. After all, banks should consider the ability to repay loans. Therefore, if the application amount is high, you can only choose commercial loans.
What are the three main aspects of mortgage loan?
Individual: The borrower's age is preferably between 18 and 60 years old. Personal credit investigation has not happened for two years, and the debt ratio is low, which can provide banks with qualified running water.
House: the beam of the house shall not exceed 40 years, and the area shall not be less than 50 square meters. At present, banks mainly accept normal commercial housing, villas, business offices and other real estate types, but the proportion of mortgage loans is low.
Company: It takes more than one year for the company to be established, preferably a technology-based or commercial company. The borrower can be a company legal person or a shareholder. If it is a shareholder, the shares must be more than 20%. Newly registered companies can also apply, but the risk of refusing loans is relatively high. If the company is engaged in real estate, finance, entertainment and other fields, these are the fields that banks enter and are directly refused loans.
What if there is no company under my name?
If there is no company under an individual's name, you need to register or buy a company in advance. The former needs to be priced according to the local market. Generally, the cost of first-tier cities is around 20,000 yuan. In a small place, it's only a few thousand yuan.
In addition to paying the cost of purchasing the company, it also needs to pay the business site, agency bookkeeping fee, notary fee, upstream and downstream contract, company running water, personal running water, financial report, intermediary service fee, etc.
Finally, I am an alien, and it is not easy to get a loan from Shanghai.