•    What kind of house do mortgage loans?

•      Individual has ownership dispute, no, not in the scope of the demolition of residential, apartments, villas within, shops, office can handle consumer mortgage loans;

•      Yigougongfang, affordable housing(The room or payment ticket full5Years), movements of the housing(Have accelerated protocol),Central delivery room(The original purchase agreement for listing and approval);

•      For real estate in eight urban districts and suburban area;

•      Third party property can be mortgaged

•      For the construction of 90Years later the property(Sanhuan property and the customer good quality can be relaxed).

•      No court attachment, withheld or take other action preservation measures of housing

•      Personal consumption loan conditions and service object

•      At least eighteen years old to sixty-five years old, Chinese citizens with full civil capacity.

•      A city resident accounts or valid residency;

•      The borrower should have a stable occupation and income, have the ability to repay the loan principal and interest;

•      Able to provide collateral, the bank recognized the right to pledge;

•      Maximum loan amount for housing assessment value70%; shops, office, apartment, villa is not more than60 %;

•      The property,To trade on the

•      Bank loans to the other conditions stipulated by the.

•   Mortgage loan applications

•      Purchase:All of the purchase,As the tail section(Or do Shoufu)

•      Car Buying: automobile consumption loan is a loan issuing bank for the purchase of vehicles in its special dealers the RMB loan purchase a car. Auto loan guarantee is to purchase a car for car consumption loans to banks, Guarantee Corporation to provide guarantee.

•      Renovation: the residents for housing decoration decoration to apply for loans to banks, Guarantee Corporation to provide guarantee.

•      Overseas StudiesPersonal loans for studying abroad: refers to the bank to the borrower for education overseas university student matriculation, university or master, doctor's degree required margin and tuition and living expenses (including expenses of RMB loans abroad). Get visa after studying abroad education loans for students margin loans and in obtaining a visa to go abroad study abroad before, which is used for margin loans educated abroad margin required loan fund. But the Guarantee Corporation for the borrower to the bank to provide security called personal study abroad guarantee loan.

•      Management: is the individual industrial and commercial households or individual proprietorship enterprises due to the production, management turnover to bank loans from the Guarantee Corporation to provide guarantee.

•   Need to provide the following information

•      1Purchase loans: the purchase of owner ID copy, copy of real estate license, the sale agreement, payment confirmation receipt and other related materials;Buy a house also need to provide the purchase agreement

•      2.Loans to purchase a car: the purchase of owner ID card copy, this copy of vehicle, motor vehicle registration certificate, the sale agreement, payment confirmation receipt and other related materials

•      3.The loan agreement, the purchase of decoration: decoration decoration materials receipt or invoice, control before and after the renovation construction decoration pictures and photos

•      4.Credit management: the articles of association of the company, financial statements, trade contracts, water, and other related materials

•      5.Loans to students: admission and tuition a fine

•      Note:Basic information:Both spouses identity card,This account,Marriage certificate(Divorce certificate),The borrower income proof,Income flow,Unit a copy of business license copy.

•      The duration of the loan and the interest rate

•      Use consumer:The longest period10Years,The benchmark interest rate broke surface10%Play(The bank will apply for a card or directly into the designated third party account for customers)

•      Use of decoration:The longest period10Years,The benchmark interest rate broke surface10%Play.Maximum loan30Million and shall not exceed the property value20%

•      Use management:The longest period10Years,The benchmark interest rate broke surface10%Play.

•      The use of short-term consumer:Quota100Million below,Period of a year or a year and a half,The benchmark interest rate broke surface5%Play(Monthly interest,Maturity is also the principal)

•    Personal credit unsecured loan

•      Definition: that is simple to credit without any collateral

•      Submit data: ID card, personal pay water, proof of income units

•      Loan amount: 6-8 times the monthly salary, up to 10 times

•      Loan period: a maximum of 4 years

•      Interest rates: 7.9%--9.9%,A breach of the remaining part of the5%.Account management fees0.49%/Month

•   Mortgage

•      1The customer all the money to buy a house, the room under the3Years,Can apply for mortgage, the longest period30Years,The benchmark interest rate broke surface20%Play(Can be used for low net signs the contract).

•      2Customers buy a house after the full payment,The room3Years,Can apply for mortgage,The longest period30Years,Comparison of interest rate of commercial lending rates(Do not be low network contract)

•      Needed materials: personal basic materials+Certain votes+Purchase invoices+The purchase contract+The net signs the contract

•    

•      Definition:The so-called pawn, refers to households when their movable, property rights as a pawn pledge or mortgaged to the pawn line, delivery fee, made when payment, and in the agreed period when the interest payment, reimbursement when gold, when the act of redemption. Popular to say, is to the property as collateral to pawn, paid a period of loan financing. This is a matter for cash financing way, as long as the customer at the time agreed repayment of principal and payment of service fee (including when the custodial fees, insurance premium, interest, etc.) you can redeem pawned object.

•      Mode of operation:Charges3000Element/Single

•      The pawn:GoldPlatinum goldDiamondsHouse propertyThe car

•      Interest free mortgage status2.7%.A mortgage status3.2%.After collecting interest loan

•      Pawning:The highest evaluation value7 7.5Into

•      The basic requirement is no mortgage85Years later,Can also be special problems Special treatment.

•      Be careful:Audit is very strict,But to worry about money customers can recommend the first code after

•      Mortgage loan: loan fees2%;600Meta evaluation fee

•      Mortgage fees: loan amount2%

•      If you need to pay,Cost.

If you have the need of Beijing real estate can be contacted with me at any time!

Mr. Yan 15611152866 home real estate chainFinancial department!