Age requirement: up to 20 years (commercial property up to 15 years);
Area requirements: at least 60 square meters;
Valuation requirements: at least 800,000;
The collateral is located in the area: Hangzhou;
Types of collateral: ordinary houses, villas, shops, office buildings;
Loan maturity: The sum of the age of the customer does not exceed 60 years.
1. The borrower and his or her spouse's valid identity documents, household registration certificate, original and copy of marriage status certificate;
2. Proof of personal income, such as personal tax payment certificate, salary and salary certificate, individual's dividend certificate in operating entities, rental income, deposits in ICBC or his bank in the past six months, certificates of average financial assets such as government bonds, funds, etc.;
3. Can reflect the details of the borrower's bank settlement account details or tax payment vouchers;
4. Original and copy of the mortgage ownership certificate. The right to dispose the person (including the owner of the property) agrees to the mortgage proof.
5. Other information requested by the bank.
Interest rate description
Loan period (months)
Annual interest rate
Benchmark interest rates rise 10-30%
The annual interest rate is determined based on the condition of the mortgaged property and the qualification of the applicant.
Loan time 16 daysAssignee: Shen Jing ManagerApply on February 27, 2017
Mr. Fang: The business owner, who has been operating for 3 months, has already obtained a business license.
Loan time 20 daysAssignee: Shen Jing ManagerApplication for November 07, 2016
Mr. Lu: Self-employed, with a business life of five years or more, has already obtained a business license.
Lending time 15 daysAssignee: Shen Jing ManagerApply on June 23, 2016
Mr. Zhao: Local household registration, business owner, operating period 5 years and above
Loan time 7 daysAssignee: Shen Jing ManagerMay 06, 2016 Apply
Mr. Liu: The real estate type is commercial housing, the property valuation is 1.3 million yuan, the application amount is 800,000, and the acceptance amount is reached.
Loan time 3 daysAssignee: Shen Jing ManagerApply on March 25, 2016
Mr. Wu: The self-employed has already obtained a business license, and the business registration has not registered a business license.
Household registration involves many aspects such as employment, medical care, education, etc. The reform of the household registration system has attracted much attention. At present, the "Hangzhou Municipal People's Government's Implementation Opinions on Further Promoting the Reform of the Household Registration System (Draft for Comment)" is soliciting opinions. ||104162