Is the second mortgage of Zhengzhou Jinyou mortgage house reliable?

1. Is the second mortgage of Zhengzhou Jinyou Mortgage House reliable?

The conditions for secondary mortgage of real estate are:

1. The houses used for secondary mortgage should be high-quality houses and commercial houses with great market development potential;

2. The house used for personal housing in the second mortgage must be an existing house;

3. The house is a first-hand house purchased by a bank mortgage loan;

4. The mortgage registration of the house has been completed, and our bank is the mortgagee of the house;

5. The house has been insured, and the original policy is managed by China Bank;

6 complete facilities, great appreciation potential.

Credit line/quota/quota/ceiling

1. Loan amount = mortgage rate of house value-balance of original loan principal.

2. Compare the value of the house with the value of the original house, and choose the lower one. The mortgage rate of secondary loans with housing mortgage shall not exceed 70%; The mortgage rate of secondary loans for commercial housing mortgage shall not exceed 50%.

loan rate

The interest rate of commercial loans of the same grade stipulated by the People's Bank of China shall be implemented. If the loan bank stipulates that the term of foreign currency loan is one year, in case of adjustment of legal interest rate, interest will be calculated at the original contract interest rate; If the loan term is more than one year, if the legal interest rate is adjusted, the new interest rate will be implemented on June 65438+ 10/the following year.

2. Can Zhengzhou mortgage house handle mortgage loan?

You can apply for a mortgage.

Letter of credit clause

1, a natural person aged 22-60 with legal identification;

2. Need to own real estate in Beijing, with unlimited area;

3. Have a stable occupation, good credit, stable income and the ability to repay the loan principal and interest on schedule;

4. The mortgage repayment period exceeds 18 months.

Loan process

1. The applicant submits relevant materials and applies to Houze Finance;

2. The house is appraised by a professional appraisal institution;

3. Houze Finance reviews mortgage information and banks review relevant materials;

4. The bank handles the mortgage registration procedures;

When the formalities are completed, the loan will be issued.

information needed

1, personal identity card, household registration book and proof of marital status;

2. Proof of repayment ability such as personal income or personal assets;

3. Property right certificate (if the property of a third party is mortgaged, the identity certificate of the property owner and the written certificate of consent to the mortgage are also required).

3. What is the real estate loan process in Zhengzhou?

1, Zhengzhou real estate commercial loan process.

(1) Apply for a mortgage loan and fill out the mortgage loan application form.

(2) Submit the application and the bank will review the lender.

(3) After the approval of the bank, sign a house purchase contract with the lender.

(4) The lender signs the house mortgage contract with the developer and the bank on the basis of the relevant legal documents of the bank.

(5) The lender goes to the real estate management department for mortgage registration and related procedures.

(6) The lender opens a repayment account in the loan bank and repays the loan on time according to the time stipulated in the contract every month.

2, Zhengzhou provident fund real estate loan process.

(1) The lender submits an application for provident fund loan to Zhengzhou Provident Fund Center or bank.

(2) Zhengzhou Provident Fund Center or bank shall review the lender's information.

(3) After approval, the Provident Fund Center will approve the loan application of the user.

(4) After the approval of Zhengzhou Provident Fund Center, the lender needs to sign a loan contract with the Provident Fund Center and the bank.

(5) After Zhengzhou Provident Fund Center issued the loan approval opinion, the bank issued the loan to the lender.