Of course. 1. At present, the parking loan business launched by the bank is only for customers who have applied for first-hand housing loans in the bank, and the loan interest rate is implemented at the same period's consumer loan interest rate.

However, different banks have different regulations on parking loan business.

2. "Consumption in advance" has become a very common thing, and buying a car by loan has naturally become the mainstream car buying mode. Because I spend other people's money in advance to improve my life. Then, the loan to buy a car should take into account:

① Never ignore the problem of inflation, and calculate the currency depreciation brought by inflation;

After paying the down payment, use the remaining money to raise money. Detailed parking space mortgage loan means that the applicant (parking space buyer) pays the down payment when purchasing the parking space of the real estate where the first-hand house is located, and the rest is mortgaged by the bank, and the loan principal and interest are repaid in installments. 1. Process ① Submit materials and apply;

② Bank investigation and approval;

③ signing loan contracts and guarantee contracts;

(4) Insurance and parking space mortgage registration or filing procedures;

(5) Handling loan issuance procedures;

6. Repay the principal and interest on schedule as agreed in the contract;

⑦ Pay off the loan, terminate the contract and cancel the mortgage registration.

2. Conditions ① Personal loan application form;

(2) Valid certificates and household registration books of the applicant and co-owners;

(3) proof of family income and related assets;

(4) Parking space sale (pre-sale) contract signed with the developer;

(5) Original deposit invoice or receipt;

⑥ Other conditions stipulated by the bank.

2. Can I apply for a bank loan to buy a parking space?

Yes, but don't even think about buying a parking space with a provident fund loan. Provident fund loans do not support the purchase of parking spaces. Current regulations on the management of provident fund

It is stipulated that the provident fund can only be used for purchase, construction and overhaul.

Third, how to apply for a parking space mortgage loan?

Personal parking spaces can be mortgaged if they have property rights. Just because the value of parking space is not as high as that of personal property, the loan amount that can be handled will be relatively low.

Applying for a mortgage with a parking space will be relatively complicated. To apply for a parking space mortgage loan, the applicant needs to have the property right certificate of the parking space, personal ID card, household registration book, work certificate, income certificate, bank card running water and other materials before applying.

It should be noted that most banks are unable to apply for parking space mortgage loans. Although banks cannot handle parking space mortgage loans, some loan companies can handle parking space mortgage loans. I suggest you find a regular local loan company to apply for a parking space mortgage loan.

Extended data

Application conditions

1. The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct.

2. The borrower can provide corresponding guarantee.

3. The borrower can provide corresponding proof of consumption purpose.

4. The borrower has repayment ability and no record of non-performing loans.

Application material

1. Proof of identity and marital status of the borrower;

2. The borrower's professional and economic income certificate issued by the department recognized by the lender;

3. Proof of loan use;

4. If the property is mortgaged or pledged, a list of mortgaged property or pledge, ownership certificate, consent certificate of the person who has the right to dispose of the property (including the property co-owner) and mortgage appraisal certificate issued by the competent department shall be provided;

5. If the guarantee is provided by a third party, a written document, relevant credit certification materials and a certain percentage of the deposit agreed by the guarantor shall be issued;

6. Other materials required by China Easy Loan Cooperation Agency.