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Can I buy a house with a mortgage?

Questioner: @a.*** City: National Label: Mortgage Question Time: 2017-08-23 17:37
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  •             Enthusiastic friends
    2017-08-25 00:51
            Yes. First, agricultureBank property mortgageConditions: The bank mortgage loan requires the house to be within 20 years; the house area is larger than 50 square meters; the house must have a strong liquidity. Bank Real Estate Mortgage Value: Home MortgageLoan amountIt is 70% of the house evaluation value. Bank real estate mortgage loan years: the loan period for new home loans is no more than 30 years, and second-hand houses are no more than 20 years. Bank property mortgageLending ratesAnd preferential treatment: The loan interest rate is implemented in accordance with the same-grade loan interest rate as stipulated by the People's Bank of China. Second, Minsheng Bank real estate mortgage loan conditions: Shangyintong: the term of 36 months, monthly interest. The principal is repaid once a year, and 70% of the evaluation value. The area is more than 70 square meters, and the age is after 2000 years (the individual properties are treated individually), the benchmark is up 10%-30%. The interest rate before 2000 is 30%-40%. Consumer loans: 1. Have full civil capacity, neither you nor your familyBad credit history2, own or control a business entity, such as individual industrial and commercial households, small and medium enterprises, etc., operating entities without bad credit records; 3, your family's physical net assets of not less than 500,000 yuan, physical net assets such as no loans, real estate, cars 4. If engaged in production and operation investment activities (including contracting and leasing activities), in principle, you need to have more than three years of industry work experience, and have a fixed business place in the location of our bank and operate for two years or more; 5. In principle, you need to have a permanent residence or a valid residence status in the town where the Bank is located, and have a permanent residence; 6. Open a personal settlement account with us, and your business entity opens a corporate settlement account with us. ; 7, other conditions prescribed by our bank. Materials required for applying for a bank mortgage: 1. The borrower's ID card, the original of the account book and a copy thereof; 2. The assets evidence of the company owned or controlled by the borrower, such as financial statements, bank statements, tax returns Proof, cargo transportation list and other information; Minsheng Bank real estate mortgage loan: 1. Other assets certificate and evaluation evaluation report of the company cooperated with BOC; 2. Individual industrial and commercial households only provide business license, tax registration certificate, tax payment certificate and annual inspection certificate.
  •             Enthusiastic friends
    2017-08-24 20:23
            ChinaBank property mortgageConditions and procedures: operatingBank of ChinaReal estate mortgage: The term is 36 months, and the monthly interest rate. The principal is repaid once a year, and the evaluation value is 60%. The area is more than 80 square meters, and the age is 95 years later (the individual properties are treated individually), and the benchmark is 10%-30%. As an efficient and practical financing means, working capital loans are among the most common products in the credit line. They have the characteristics of short loan term, simple procedures, strong turnover and low financing cost. Consumer loans (or double-grant loans): the term is 60 months, the one-year period can be paid on a monthly (quarterly) basis, and the semi-annual or maturity is repayable; the 1-3 year loan is based on customer qualifications. It can be used to pay interest on a monthly (quarterly) basis, and flexible for half a year.RepaymentFor repayment of monthly payments of more than 3 years. 60% of the evaluation value. The area is more than 80 square meters, and after the age of 95 years, the benchmark is 10%-30%. Conditions for applying for the mortgage loan of Bank of China: 1. The borrower shall be an enterprise, business legal person and other economic organization approved by the administrative authority for industry and commerce (or the competent authority), having a business license issued by the administrative department for industry and commerce, and passing the annual inspection; The borrower must pass the credit rating of the Bank and meet certain levels of requirements. According to the needs of the review, the guild will adjust the entry level irregularly. The level should be implemented in accordance with relevant regulations; 3. The use of the loan is in line with the national industrial policy and relevant regulations; 4. The borrower has a sound management organization and qualified leadership. The team and strict management system; the company's business, financial and credit status is good, with the ability to repay the principal and interest of the loan on time; 5, the borrower opens a basic account or general account in the Bank of China; 6, in line with other relevant loan policy requirements of the Bank of China . Bank of China real estate mortgage loan submission information: 1, the original real estate certificate;
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