- Real Estate Down How long is the destocking cycle? Recently, the Minister of Housing and Urban-Rural Development declared that the property market had entered the destocking cycle. The problem was that he did not say how long the destocking cycle was. According to the statistics of the National Bureau of Statistics, the area of our commercial housing for sale is 660 million square meters. In fact, this area is not large, but also...
- China Merchants Bank operating property mortgage loan application conditions and processing procedures Access requirements for operating properties (1) The mortgaged property is located in a more economically developed urban area and has clear property rights. It can set up a mortgage and can be disposed of separately. (2) The age of the mortgaged property does not exceed 15 years (except for the core business district), and the geographical location is good, with good liquidity...
- Characteristics and Application Targets of China Merchants Bank Commercial Property Mortgage Loans Product Introduction Operating property refers to commercial real estate that has been completed and put into commercial operation, and has obtained a stable cash income over a long period of time through rental and other operating methods, including shopping malls, office buildings, professional markets, hotels, warehouses, and industrial plants. Business property arrived...
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- China Merchants Bank Operating Property Mortgage Loan Application Guide Mortgage loans for operating properties are issued by China Merchants Bank to small enterprise customers who meet the basic access requirements. They are mortgaged by their own operating properties and are pledged by rental income from the operating properties, and use this rental income and operating income. As the main source of repayment...
How long does the China Merchants Bank's mortgage loan handling cycle take?
Recently, users have consulted in the backgroundChina Merchants Bank MortgageHow long is the processing cycle?
In principleChina Merchants Bank LoansThe time for approval needs about 15 working days, because the middle involves assessments and other links, and each city has its own differences. Therefore, the specific loan time needs you and the local branch's account managers to make a further understanding. If you currently have a loan requirement, you can try to contact the local personal bank at the nearest CMB counter to apply. Loan application generally needs to provide the application information:
1, identification documents
2. Marriage certificate information: marriage certificate, divorce certificate, unmarried statement, etc.
3. Information on local residence proof: List of fixed-line telephone bills for any three months in the past year, utility bills such as utility bills, etc., or other information that can prove the residential address
4, the proof of proof: the ownership of the collateral. If there is a person with a total of rights, it is also necessary to provide the rights of the co-owner to agree to the mortgage statement or require the co-owner to sign the mortgage contract. If you provide other supplementary guarantee methods, you must provide corresponding certification materials
5. Proof of use: The loan is used for car purchases/car parking spaces: Documents that can prove the authenticity of the purpose of the purchase, such as car/car parking contract, subscription letter of intent, deposit receipt, first payment receipt, etc.; loan use for decoration: Submit information that can prove the authenticity of the decoration, such as the property ownership certificate and renovation contract, advance payment receipt, etc.; loan use is for educational credits: must submit proof of admission information, such as the admission notice issued by the school Book or similar proofs
6, proof of repayment ability information: We pay on behalf of the customer can provide their payroll account water; social insurance account water or personal tax payment, etc. If your loan needs to provide other information, the handling of the bank here also You will be notified in a timely manner that you can also confirm this information in detail through your handling bank when applying for a loan. The specific processing time is different from the time of mortgage registration made by the building committee of the regional mortgage. The other time is roughly the same.
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