Consultant Comments:The place of business registration is Hangzhou, the business time is 2 years, and the property has more than 80 square meters of real estate in Hangzhou.
For mediation, please consult the intermediary guarantee (with additional fees)
Operating period: registered business for more than 2 years;
Age requirements: no more than 20 years (the maximum length of a commercial property is no more than 15 years);
Housing area: no less than 80 square meters in area;
The collateral is located in the area: Hangzhou;
Type of collateral: residential, villa, retail, office building.
materials needed
1, second-generation ID card, household registration, marriage certificate
2, business license (need to pass the annual inspection)
3. Personal income certificate (such as personal tax payment certificate, salary and salary certificate, personal dividend certificate in operating entity, rental income, deposits in ICBC or other banks within 6 months, certificates of average financial assets such as government bonds and funds, etc.)
4, loan card
5. The original and photocopy of the property right of the mortgage house. A document certifying the right to dispose of the person (including the property owner).
6. If the loan adopts the guarantee method, relevant information of the guarantor shall be provided;
7. Other information requested by the bank.
Interest rate statement
Loan term
Annual interest rate
1 year, credit period up to 5 years
Benchmark interest rate rises by 20%
success case
15
Loan time 2 daysReceiver: Shen ManagerApplication on December 21, 2016
Mr. Zhou: The business owner, who has a business life of 5 years or more, has already applied for a business license.
50
18 days of loan timeReceiver: Shen ManagerApplication on October 4, 2015
Mr. Zhao: The business owner, with a business life of 5 years or more, operates the local registration place.
1
Waiting for moneyReceiver: Shen ManagerApplication on January 18, 2016
Mr. Xian: Self-employed, with a business life of 5 years or more, has already obtained a business license.
100
Waiting for moneyAcceptant: Senior Rong...Application on September 6, 2015
Mr. Zhao: Office worker, working for more than 7 years, monthly salary is 20,000 yuan
50
Waiting for moneyReceiver: Shen ManagerApply on May 19, 2017
Mr. Chen: Local household registration, office workers, working years 1~3 years
Yes, the third party can be the borrower and the real estate owner can act as the mortgagor. You can also apply for an unsecured bank loan if you have a property.
2 to 3 weeks have the approval result clear interest rate, amount. Then go to the trading center to transfer, the name of the certificate is changed to 5 to 7 working days after the lender.
Since May 1st, the amount of housing provident fund loans will be lowered to varying degrees: the maximum amount of loans for each household of workers and families who have actually paid the housing provident fund will be adjusted from 800,000 yuan to 600,000 yuan. ||132359
