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Issued to the land reserve institution by way of mortgage loan, the loan amount shall not exceed 70% of the assessed value of the acquired land, and the longest loan period shall not exceed 2 years.

2. What kind of lending institution should I choose for mortgage loan?

Nowadays, there are more and more borrowers, and the lending institutions available for borrowers have become diversified. Then, what kind of lending institution should we choose to handle mortgage loans? Today, Bian Xiao will introduce it to you.

If customers who need loans can provide real estate as collateral, banks are of course willing to issue loans. However, due to real estate assessment, mortgage registration and other procedures, the lending speed is quite slow. Moreover, at present, banks will not accept car mortgage for the time being, because the loss of vehicles is large and the risk is high. In addition, with collateral as a guarantee, the bank will still review the borrower's credit status and repayment ability. If these aspects are not approved, loans will not be available.

Compared with banks, the threshold of loan companies is much lower. As long as the borrower can provide collateral, whether it is a car or a house, as long as it meets the mortgage conditions and can provide complete loan information, the loan can be obtained as soon as the day.

In addition, if the borrower has no real estate in his own name, he can also provide the real estate in someone else's name as collateral, but he must obtain the consent of the owner of the house and issue a letter of commitment to agree to mortgage.

In addition, if the borrower needs little money and has a short term, and has a stable work income and a good credit record, he can consider applying. This kind of loan has simple procedures and faster loan speed.

Through the introduction of Bian Xiao, I believe that everyone has a certain understanding of the method of choosing mortgage lending institutions in sz-union.net/., and I hope that Bian Xiao's introduction can bring some help to everyone.

Third, which platform is good for car mortgage?

There are currently five platforms worth considering. These five car loan platforms are Yixin car loan, Shenzhou car flash loan, owner credit loan, e-finance and micro-loan. The minimum loan amount of these platforms is tens of thousands of yuan. If you have a car in your name, you can apply for a loan, and the next repayment time is faster.

The loan process is something like this. Download the APP of the loan platform first, then submit the driver's license, driving license, vehicle registration certificate and personal credit information according to the requirements of the platform, and finally wait for the platform to review and pass. It should be noted that online lending platforms are different from banks, and the security has never been so high. Pay more attention to car loans.

The choice of automobile mortgage mode;

The first consideration is the specific time when they were established. Because many people only know each other's comprehensive strength in the process of selection, such as knowing each other and the specific investment amount when reinvesting, many people have relatively large registered capital, but you will find that their projects are weak.

In the process of choosing, you need to consider many aspects. At this time, you should know how well some customers have praised them before trying. Different people have different degrees of praise, so try to choose platforms with a degree of praise above 90%.

Fourth, institutions that can mortgage loans.

Banks that can handle real estate licenses as mortgage loans: China Bank, China Construction Bank, China Industrial and Commercial Bank, China Merchants Bank and private loan companies. All major banks can apply for mortgage loans, but the policy conditions are different, but most banks need a name to make loans, such as consumer loans, such as commercial loans, such as buying new ones and so on. The interest of such loans is higher than that of ordinary commercial loans, but the longest loan period is mostly around 10; However, compared with the mortgage loans of local commercial banks or credit cooperatives, the interest rate is lower and the loan term is longer. Most credit cooperatives allow loans for 1~3 years, but the longest is 5 years. I suggest you take the real estate license to consult the mortgage department of the relevant bank, and prepare some credit certificates of your own, such as your income certificate, your business or company certificate or contract, etc. , can reduce the difficulty of your loan approval.

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Characteristics of mortgage loans of banks:

1, China Bank's personal property mortgage revolving loan is the most labor-saving: mortgage revolving loan. It is not difficult to see that this product is characterized by one-time application, recycling, and return with the loan. It is especially suitable for business owners who pursue "short, frequent and fast" and have regular loan needs.

2. CCB's personal consumption loan is the most economical: many banks' loan interest rates are slightly raised on the basis of the benchmark interest rate, while CCB keeps the benchmark interest rate unchanged.

3. ICBC's personal business loans are the most time-saving: because of its high efficiency, ICBC is slightly better in this respect, and loans can be granted within five working days at the earliest, and ICBC's real estate mortgage loans are also widely used.

4. China Merchants Bank's real estate mortgage loan is the most flexible: China Merchants Bank has a relatively long repayment period, flexible repayment methods and relatively cheap interest.

Private loan companies, as a supplement to the bank's real estate mortgage loan business, can meet the needs of friends who have no bank threshold and need money urgently. In terms of loan threshold and processing speed, private loan companies are far superior to banks.

6. At present, most commercial banks can apply for mortgage loans, but the premise is that the house must meet the mortgage conditions, and the mortgaged property can't be used for mortgage loans generally, which needs attention.

Although banks can handle mortgage loans, not everyone can get what they want. If the repayment ability is not strong or the credit is tainted, even if there is real estate as collateral, it is very likely to be rejected by the bank. At this time, you can consider the loan company.