The service life of the house is within 20 years; Must have strong liquidity. The amount of mortgage loan is 80% of the appraised value of the house. After 30 years, the second-hand house will not exceed 20 years. The loan interest rate shall be implemented in accordance with the loan interest rate of the same grade in the same period stipulated by the People's Bank of China. "Borrower's age" is generally not more than 70 years old.

Basic conditions for applying for a loan:

1, with China nationality and integrity;

2. Hold a valid

3. Have a stable and legal source of income;

4. Mortgaged real estate has a real estate license with clear property rights and can be listed and circulated;

5. Other conditions stipulated by the bank.

Loan amount and term:

1, and the highest mortgage rate of commercial housing can reach 80%;

2. Mortgage rate of office buildings and shops

3. Mortgage of industrial plant

4. Up to 30 years; Mortgages include shops, offices, houses, villas, factories, warehouses and so on.

Operation process of real estate mortgage registration:

Time limit for real estate mortgage loan registration: 7 working days

The following documents are required:

1, house ownership certificate;

2. Evaluation report;

3. Real estate mortgage bank loan contract;

4. Mortgagor's ID card (leave an ID card that is verified with the original);

5、

Handling process: 1 day registration, 3 days approval, 1 day certificate preparation, 1 day fee issuance and filing.

2. Where can I apply for personal property mortgage loan in Hefei?

1. Prepare loan materials: ID card, household registration book, marriage certificate and property right certificate; 2. real estate assessment, face to face with the bank and submit materials for approval; 3. After approval, apply for real estate mortgage registration; 4. Obtain other warrants and make bank loans.

Remarks: 1. According to the loan amount and purpose, some banks require a business license; 2. If the mortgage has not been settled, you can also borrow from the bridge; 3. Residential buildings, office buildings, shops and real estate in three counties of Hefei are acceptable. Third, Hefei real estate mortgage-Hefei real estate mortgage loan-Hefei personal real estate mortgage loan ...

The following small series introduces the process of handling personal housing mortgage consumer loans and the relevant materials and conditions needed. See this article for details: The so-called personal housing mortgage consumption loan refers to the loan granted by the bank to borrowers who use credit funds to mortgage their own commercial houses or approved listed housing reform houses. First, the object and conditions of real estate mortgage consumer loans. 1. The borrower must have full capacity for civil conduct, be a natural person at the age of 18, and have a stable income and the ability to repay the principal and interest of the loan. 2. Take all the houses as collateral and agree to handle loan notarization and insurance. 3. The mortgaged house must be a commercial house with complete three certificates or a housing reform house that has been approved for listing in this Municipality. 4. The borrower should be an employee of a state administrative organ, institution, economic management department or financial enterprise, and have a good credit record. Otherwise, the borrower must own at least two sets of mortgaged houses, or be guaranteed by people with the above occupations. 2. The information that the borrower should provide is 1, and the original and photocopy of the ID card of the borrower and spouse; 2. The original and photocopy of the household registration book of the borrower and spouse (if the borrower and spouse are not in the same household, a marriage certificate shall be provided); 3. Other people who have the right to dispose of the mortgaged house agree to mortgage (my signature and seal); 4. The original certificate of ownership of the mortgaged house. Original land certificate of mortgaged house. Original deed of mortgaged house. Original access permit (housing reform) 8. Original review of property right certificate of Land Management Bureau (housing reform) 9. A written agreement and income certificate of the guarantor agreeing to guarantee (the loan method is mortgage plus guarantee) 3. The type of real estate (1) that can be used for consumer mortgage loans can be used for apartments, houses, villas, shops and office buildings with undisputed ownership; (2) The purchased public houses and affordable housing need to pay the land transfer fee, and the purchased public houses and maternity houses need the original purchase agreement, and the maternity houses need to be approved for listing; (three) the real estate in the eight districts of the city and its suburbs; (4) Personal property built after 82 years; (five) houses that have not been sealed up, detained or taken other litigation preservation measures. Four. Personal housing mortgage consumer loan 1 handling process. Borrower's pre-loan consultation: fill in the application for housing mortgage and submit the following supporting materials to the bank: the borrower's fixed income certificate issued by the borrower's unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses; Other documents or materials required by the lending bank. 2. The bank examines the borrower's loan application, purchase contract, agreement and related materials. 3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping. 4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it. 5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement. Bian Xiao reminded: The relevant regulations set conditions and requirements for applying for personal housing mortgage consumer loans. Of course, there are certain restrictions. The following small series reminds everyone to pay attention to the following four types of properties that cannot be used for mortgage: 1. Real estate mortgage consumer loans with outstanding loans must be unsecured real estate. If the property is mortgaged or the property is in a mortgaged state, the bank already owns other rights of the property. If the property is mortgaged again, the bank is not allowed. Because two banks can't own other rights of a property at the same time. If the loan is not repaid, refinancing is called refinancing with the same name, and now the central bank has explicitly prohibited the operation. 2. There are two situations in which some purchased public houses cannot apply for mortgage consumer loans. One is the purchased public houses that cannot provide the purchase contract or purchase agreement. Because if there is a clause in the purchase contract that the original unit has the preemptive right, the bank can't obtain other rights, so the bank can't operate the mortgage consumer loan. The other is the delivery room that can't provide the listing certificate of the delivery room, because such real estate can't be listed and traded, and the bank can't obtain other rights, that is, the bank has no mortgage, so it can't operate this business. 3. Relocation houses with less than five years of affordable housing shall be managed as affordable housing or purely affordable housing. According to the current national policy, those who have not been listed for five years are not allowed to trade, and banks cannot obtain other rights certificates, so they cannot apply for mortgage consumption.

Fourth, Hefei housing mortgage loan.

Legal subjectivity: general mortgage interest: 6% a year. The benchmark interest rate for bank loans over five years is 6. 14%. Ten years is 6.55%. The loan amount is 60%-70% of the total house appraisal price (different banks). If it is a real estate mortgage loan, the premise is that the housing loan is paid off, unsecured, with real estate license, deed tax certificate and land certificate. The registrant of real estate license and his/her spouse hold their respective ID cards, household registration books, marriage certificates, the above three kinds of housing certificates and their respective income certificates. To prove the purpose of this loan, the local commercial bank should be consulted to apply for housing mortgage loan.

Legal objectivity: Article 12 of the Interim Measures for the Administration of Personal Loans requires borrowers to apply for personal loans in writing and provide relevant materials that can prove that they meet the loan conditions. Interim Measures for the Administration of Personal Loans Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Interim Measures for the Administration of Personal Loans Article 26 Lenders shall standardize the guarantee process and operation in accordance with the relevant provisions of People's Republic of China (PRC) Property Law, People's Republic of China (PRC) Guarantee Law and other laws and regulations. The Lender shall participate in the mortgage registration according to this Contract. If the lender entrusts a third party to handle the matter, it shall verify the registration of the collateral. Personal loans secured by guarantee shall be completed by at least two loan officers.