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The requirements for major banks in Tianjin to apply for real estate mortgage loans are basically the same.

1 property right: it is required that the property right of the house must be clear (that is, the private house that has obtained the real estate license). If the property is owned by more than one person, someone must approve it. Shall not apply for public property, enterprise property, small property rights, seized housing mortgage loans.

Type 2: Houses, shops, villas, office buildings, commercial and residential buildings can be handled, and some banks can also handle affordable housing that has obtained real estate licenses.

Area: Tianjin (including four suburbs and five counties) can be handled.

4. Status: The property in mortgage or mortgage status can be refinanced as long as the total value of the property is full.

5 Housing area and housing age: there are slight differences according to the location of the house and the handling bank. The basic requirement is more than 40 square meters, 30 years. (Note: If the mortgaged property can still be rented or sold, the bank will not keep the original property ownership certificate. For the sold property, it is only necessary to settle the remaining unpaid principal without paying the remaining interest. )

Because the mortgage loan process involves banks and housing management bureau, it takes some time. Taking the full payment as an example, the normal processing time is about 15 working days. Can do express blue print accounts and foreign accounts can be handled; For customers who need money urgently, some professional and formal companies can borrow cash in advance, without age and geographical restrictions; 70% of the value of the maximum loanable house; The longest loan period is 30 years; The longest loan for a shop is 10 year, and the maximum loan value is 60%.

I hope I can help you.