Do online merchants need to come to the house for loans and mortgage loans?

First, do online merchants need to come to the door for mortgage loans?

If an online merchant loans a house mortgage loan, he only needs to provide relevant supporting materials, so that people can go to the door to carry out field work.

First, do online merchants need to come to the door for mortgage loans?

Online merchants don't need to borrow house mortgage loans, as long as ordinary people provide relevant certification materials. If an online merchant has a house with a loan, he must first have a real estate. Because housing mortgage is to mortgage the property (self-occupied housing, commercial and residential housing) under the name of an individual in order to obtain one-time or recycling use. In addition, the borrower must be a China citizen with the ability of 18 weeks; And have a fixed residence and the ability to repay the principal and interest of the loan on time; Credit is also good, and there can be no bad credit record or serious negative information. Eligible users can log in to apply.

Second, the analysis of housing mortgage loans

Many business people, or people who want to invest some money, are likely to choose loans to solve some of their current difficulties if they don't have enough cash or sources of funds. In the process of applying for housing loan mortgage, we must know the relevant evidence and regulations in advance, and we must provide relevant proof materials, such as real estate license or some loans. At first, they only need to provide relevant certification materials, and will not conduct field visits. But when applying for these loans, the requirements are your age, you must be 18 years old, and then your credit must be good, and you can't have bad credit transaction records.

Online merchants don't need to go to the door to borrow mortgage loans, but they must first understand their requirements when providing materials, and then the materials to be provided are very real and effective.

Second, the mortgage interest rate?

The interest rate of real estate mortgage loan can be judged in combination with the following situations:

1. Bank of China: According to the length of the loan period, the loan interest rate of the corresponding grade published by the People's Bank of China shall be implemented.

The loan interest rate within six months (including six months) is 4.60%.

The loan interest rate for six months to one year (including 1 year) is 4.60%.

The loan interest rate for one year to three years (including three years) is 5.00%.

The loan interest rate for three to five years (including five years) is 5.00%.

The interest rate for loans over five years is 5. 15%.

2. ICBC: interest rate benchmark rises 10%.

The loan interest rate within six months (including six months) is 4.86%.

The loan interest rate for six months to one year (including 1 year) is 5.3 1%.

The loan interest rate for one year to three years (including three years) is 5.4%.

The loan interest rate for three to five years (including five years) is 5.76%.

The annual interest rate of loans over five years is 5.94%.

3. Agricultural Bank of China: The interest rate benchmark will rise by 5%-20%.

The loan interest rate within six months (including six months) is 4.35%.

The loan interest rate for six months to one year (including 1 year) is 4.35%.

The loan interest rate for one year to three years (including three years) is 4.5%.

The loan interest rate for three to five years (including five years) is 4.75%.

The annual interest rate of loans over five years is 4.9%.

4. China Construction Bank: Interest rate benchmark rises by 20%.

The loan interest rate within six months (including six months) is 6. 1%.

The loan interest rate for six months to one year (including 1 year) is 6.56%.

The loan interest rate for one year to three years (including three years) is 6.65%.

The loan interest rate for three to five years (including five years) is 6.9%.

The annual interest rate of loans for more than five years is 7.05%.

Third, how to borrow real estate mortgage loans

Real estate mortgage loan can help people solve some financial problems. After the loan is paid off, the house still belongs to them. So how do you borrow a real estate mortgage? The following small series will introduce you to the process of real estate mortgage loan, let's take a look!

How to borrow real estate mortgage loan

1. 1. Apply for a loan from a loan bank and submit relevant supporting materials; 2. After that, the bank will review the information provided by the borrower; 3. After examination and approval, the borrower and the borrower sign a real estate mortgage contract and notarize it; 4. After the contract is notarized, the bank will lend money to the borrower at the time agreed in the contract; 5. After obtaining the loan amount, the borrower shall repay the interest and principal at the agreed time.

Problems needing attention in real estate mortgage loan

If the real estate mortgage is not a bank, but a formal private lending company, then you need to pay attention to the following points when handling mortgage loans:

1. Before lending, you should check the qualification and reputation of the lending company, and it is best to choose a company with legal registration, good reputation and standardized operation.

2. You can't sign incomplete documents and blank documents with the loan company. When signing a loan contract and receipt, you should carefully examine all the terms, and you should not sign it hastily, let alone sign multiple copies of the same loan.

3. The total loan interest and liquidated damages agreed with the loan company shall not exceed four times the bank loan interest rate.

4. The signed contract and relevant vouchers shall be properly kept, and the repayment shall be made through the bank as far as possible, and the repayment account owner shall be consistent with the lender. When remitting money, indicate the details of which loan, principal and interest will be returned.

5. After the loan amount is fully paid off, the lender shall return the original signed loan contract and receipt to the borrower, or destroy it on the spot to prevent the lender from claiming rights again on this basis in the future.

Bian Xiao concluded: I have introduced the relevant contents about how to borrow real estate mortgage loan and the matters needing attention in real estate mortgage loan here, hoping to help everyone.

Fourth, about mortgage loans!

In your case, it is feasible. You can make different loans, take your mother's house as collateral, and you can be a borrower.

Required information: 1, ID card

2. Household registration book

3. Marriage certificate

4. room book

You have been running with your mother for almost half a year.

Consumer loans, procedures and information are very simple, take these things and apply to the bank!