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Can a mortgage loan buy a house?

Asked by: @a. *** City: Nationwide Tags: mortgage loans Question Time: 2017-08-23 17:37
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  •             Enthusiastic users
    2017-08-25 00:51
            Yes. First, agricultureBank real estate mortgage loanConditions: bank housing mortgage loan requirements of the housing within 20 years; housing area greater than 50 square meters; housing should have a strong liquidity. Bank real estate value of mortgage loans: the mortgageLoan lineIt is 70% of the house evaluation value. Bank real estate mortgage loans Loan period: New home loan loan period of not more than 30 years, second-hand housing does not exceed 20 years. Bank real estate mortgageLending ratesAnd Offers: Loan interest rates in accordance with the provisions of the People's Bank of the same grade loan rate implementation. Second, Minsheng Bank real estate mortgage loan conditions: Shang Dai Tong: a period of 36 months, the monthly interest. Another year principal, the assessment value of 70%. The area is more than 70 square meters, with an annual period of 2000 years (individual property to be treated individually), the benchmark float 10% - 30%, before 2000 the interest rate goes up by 30% -40%. Consumer credit: 1, with full civil capacity, you and your family, noBad credit history; 2, possession or control of a business entity, such as individual industrial and commercial households, small and medium enterprises, business entities without bad credit history; 3, your family's physical net assets of not less than 500,000 yuan, physical assets such as loans without real estate, Etc. 4. If you are engaged in production and business investment activities (including contracting and leasing activities), you should have at least 3 years working experience in the industry and have a fixed place of business where the Bank's establishment is located and have been in continuous operation for more than two years. 5, In principle, you need to have the permanent residence or valid residence status in cities and towns where our banking institution is located and have a fixed residence. 6. We open a personal settlement account at our bank. Your business entity opens a corporate settlement account at our bank. ; 7, other provisions of our bank conditions. Apply for bank real estate mortgage loans required materials: 1, the borrower's ID card, account of the original and copy of the 2, the borrower owns or control the company's asset certification materials such as financial statements, bank statements, tax bills Proof of the goods transport inventory and other information; Minsheng Bank real estate mortgage loans thoroughfare: 1, other assets to prove cooperation with the Bank assessment of the company's assessment report; 2, individual businesses only provide business license, tax registration certificate, tax certificate and annual inspection certificate.
  •             Enthusiastic users
    2017-08-24 20:23
            ChinaBank real estate mortgage loanConditions and procedures: businessBank of ChinaReal estate mortgage loans: a period of 36 months, a monthly interest. Once a year the principal, the assessed value of 60%. Area of ​​80 square meters and above, the period of 95 years (individual property individual treatment), the benchmark float 10% -30%. As an efficient and practical means of financing, working capital loans belong to one of the most common products within the credit limit, with the characteristics of short term loans, simple procedures, strong turnover and low financing costs. Consumer loans (or double enjoyment of loans): a period of 60 months, within one year can be monthly (quarter) interest payments, interest payments once every six months or due; 1-3 years of loans based on customer qualifications Can be used on a monthly basis (quarter) interest payment, half a year repayment flexibilityRepayment; 3-year or more to be used monthly debt service. Evaluation of the value of 60%. An area of ​​80 square meters and above, the life of 95 years later, the benchmark float 10% -30%. Apply for Bank of China real estate mortgage loan conditions: 1, the borrower should be approved by the industrial and commercial administration (or the competent authority) approved the registration of enterprises, legal persons and other economic organizations, business administration has issued a business license, and passed the annual inspection; 2 , The borrower shall be subject to the credit rating of our bank and reach a certain level of requirements. According to the needs of the appraisal, the Bank adjusts the admittance level irregularly, and the level should be implemented in accordance with the relevant regulations; 3. The use of the borrowed funds conforms to the national industrial policies and relevant laws and regulations; 4. The borrower has a sound business management institution and qualified leaders team and strict management system; business, finance and credit in good condition and have the ability to repay the loan principal and interest; 5, borrowers generally open a basic account or accounts in the Bank of China; 6, in line with the Bank of China loans to other relevant policy requirements . Bank of China real estate mortgage loans to submit information: 1, the original real estate license;
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