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Industrial and Commercial Bank - Consumer Mortgages

Brief Introduction
Need to mortgage real estate                             No identity restrictions 5 days to lend money
Optional amount of 300000 ~ 2000000
Million
Optional period December to 60 months
Months
1.54Million
42954 Yuan

Interest Rate Description: Monthly interest rate 0.47%   Advance repayment instructions

Through the intermediary, please consult the intermediary guarantee (additional cost)

Manager Shen

Hangzhou Golden Real Estate Agency Ltd.

Credit managers will complyCredit Manager Services ConventionIf you have any questions, please contact customer service by phone
Application conditions
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            Aging requirements: up to no more than 20 years (commercial real estate up to 15 years);
Area requirements: at least 60 square meters or more;
Valuation requirements: at least 800,000 or more;
Collateral located area: Hangzhou;
Type of collateral: ordinary residential, villas, shops, office buildings;
Loan period: with the customer's age does not exceed 60 years.
materials needed
            1. The borrower and his spouse valid identity documents, proof of residence, proof of marital status and a copy of the original;
2. Proof of personal income, such as individual tax payment certificate, wage and salary certificate, individual in the business entity's dividend certificate, rental income, ICBC or his bank deposits within the recent 6 months, bonds, funds and other average financial assets proof;
3 can reflect the borrower's bank settlement account details or proof of tax receipts and other evidence;
4. mortgage property ownership certificate and a copy of the original. Have the right to dispose of documents (including property owners) agreed to pay a mortgage.
5. Other information requested by the bank.
Interest rate instructions
Loan period (months)Annual interest rate
12-60The benchmark interest rate goes up 10-30%

The annual interest rate is determined based on the situation of the mortgaged property and the qualification of the applicant

success case
80
Loan time of 16 days Assignee: Shen manager February 27, 2017 Application
Mr. Fang: business owners, operating period of 3 months, has handled the business license
260
Loan time 20 days Assignee: Shen manager November 07, 2016 to apply
Mr. Lu: self-employed, operating period of 5 years and above, has handled the business license
45
Loan time 15 days Assignee: Shen manager June 23, 2016 Application
Mr. Zhao: Local household registration, business owners, operating years of 5 years and above
90
Loan time 7 days Assignee: Shen manager May 06, 2016 Application
Mr. Liu: real estate type is commercial housing, real estate valuation of 1.3 million yuan, the amount of 800,000 applications, to meet the acceptance amount
14
Loan time 3 days Assignee: Shen manager March 25, 2016 Application
Mr. Wu: self-employed, has handled the business license, registered business in the unlicensed business license
common problem
  • problem:
  • Reply:
    2 to 3 weeks have a clear interest rate examination and approval results, the amount. Then go to the Exchange Center transfer, the name of the permit to the lender 5 to 7 working days after the loan.
    2016-10-05
  • problem:
  • Reply:
    Yes, a borrower can be a third party, the real estate right to do the mortgagor. There are also real estate can apply for unsecured bank loans.
    2016-09-26

Through the intermediary, please consult the intermediary guarantee (additional cost)

Manager Shen

Hangzhou Golden Real Estate Agency Ltd.

Credit managers will complyCredit Manager Services ConventionIf you have any questions, please contact customer service by phone
Related information collected by rong360, does not guarantee complete accuracy, please consult the credit manager to confirm
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