Age requirements: no more than 20 years (the maximum length of a commercial property is no more than 15 years);
Area requirement: at least 60 square meters or more;
Valuation requirements: at least 800,000 or more;
The collateral is located in the area: Hangzhou;
Type of collateral: ordinary houses, villas, shops, office buildings;
Loan term: The sum of the age of the client does not exceed 60 years.
1. The original identity and photocopy of the valid identity document, household registration certificate, marital status certificate of the borrower and his spouse;
2. Personal income certificate, such as personal tax payment certificate, salary and salary certificate, personal dividend certificate of the operating entity, rental income, deposits in ICBC or other banks within 6 months, treasury bonds, funds and other average financial assets certificates;
3. Can reflect the borrower's bank settlement account details or tax payment certificate and other supporting documents;
4. The original and photocopy of the property of the mortgaged property. A document certifying the right to dispose of the person (including the property owner).
5. Other information requested by the bank.
Interest rate statement
Loan term (month)
Annual interest rate
Benchmark interest rate rises 10-30%
The annual interest rate is determined based on the collateral situation and the applicant's qualifications.
Loan time 16 daysReceiver: Shen ManagerApplication on February 27, 2017
Mr. Fang: The business owner, who has been in business for 3 months, has already applied for a business license.
20 days of loan timeReceiver: Shen ManagerApplication on November 07, 2016
Mr. Lu: Self-employed, with a business life of 5 years or more, has already obtained a business license.
15 days of loan timeReceiver: Shen ManagerApplication on June 23, 2016
Mr. Zhao: Local household registration, business owner, business life of 5 years and above
7 days of loan timeReceiver: Shen ManagerApplication on May 06, 2016
Mr. Liu: The type of property is a commercial residential property with a property value of 1.3 million yuan and an application amount of 800,000, which is the acceptance amount.
Loan time 3 daysReceiver: Shen ManagerApplication on March 25, 2016
Mr. Wu: The self-employed person has already obtained the business license and the business registration place is in the unregistered business license.
Household registration, involving employment, medical care, education and many other aspects, the reform of the household registration system has also received much attention. At present, the "Issue of the Hangzhou Municipal People's Government on Further Promoting the Reform of the Household Registration System (Draft for Comment) is seeking comments. ||104162