Of course. Ping An Bank has easy-to-borrow housing products, and applies for credit from the bank with the property mortgage recognized by Ping An Bank as the guarantee. Banks give small and micro enterprises a certain amount of 80% within the stipulated mortgage interest rate. Suitable for owners and individual industrial and commercial households with effective real estate. Credit line: up to RMB 20 million per household. Credit term: the longest credit term is 10 year.

1. How many years can Ping An Bank mortgage loan be used?

1 and/kloc-short-term loans within 0/2 months. This kind of real estate mortgage loan can be loaned to 12 months at the longest. Repayment methods include equal principal and interest or interest before principal.

2. Medium and long-term loans 12-36 months. This kind of real estate mortgage loan can last for up to 36 months.

3, 3-5 years of medium and long-term loans, the interest rate of this kind of real estate mortgage loan is better than 12-36.

Loans with a term of more than 4.5 years and less than 30 years. This kind of mortgage loan is usually a mortgage loan. General enterprise or

In short, the maximum loanable demand of real estate mortgage loan is appropriate. If 30 years can't meet your needs, some banks or institutions now have high requirements for the highest value, so it is recommended.

Second, the real estate mortgage loan process

1. For the loan application, the borrower proposes the purpose, amount and duration of the loan.

2. Prepare loan materials. The borrower shall prepare all the documents and certificates required to apply for a loan as required.

3. The appraisal of the house should be carried out by relevant institutions.

4. Apply for loans and submit all loan applications to the bank for approval.

5. Notarization of loan contract. After the borrower and the mortgagor have relevant certificates, signatures and fingerprints, they shall be notarized by a notary.

6, mortgage registration procedures, the bank with the housing ownership certificate and loan contract certificate to the housing management department for mortgage registration.

7. Opening an account and lending. The borrower opens a repayment account and the bank lends money to the account.

Third,

Generally speaking, housing mortgage loan, also known as mortgage loan, means that the bank provides most of the purchase money to the lender, and the purchaser pays the principal and interest to the bank in installments with stable income, but it is used as collateral before the principal and interest are paid off. If the buyer can't pay the principal and interest on time, the bank can sell the house to offset the debt.

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1. Normal processing can only be carried out with relevant collateral, and the loan amount is one of the total interest scores during the loan period.

2. The borrower needs to pay attention to a long-term and stable income source that can pay the monthly loan principal and interest.

3, need to be able to submit relevant.

Second, Ping An Bank's real estate mortgage loan can generally get more loans?

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.

3. The mortgage loan of Ping An Bank is calculated according to the average loan amount.

Hello, at present, the benchmark mortgage interest rate announced by the bank is 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), 4.75% for 1-5 years (including 5 years) and 5-30 years (including 5 years).

4. Can Ping An Bank use real estate as mortgage loan?

Yes, you can.

Housing mortgage loan application conditions:

1, age 18-65 (inclusive), borrower's age and loan period ≤70 years;

2. The borrower is a resident of China, Hong Kong, Macao and Taiwan and a foreigner, who must have lived in China for one year and have a fixed residence and occupation;

3. The mortgaged property needs clear property rights, and can be listed and circulated and registered as collateral.