Is Micang Financial Bank strict with the credit information of mortgage customers? What are the requirements?

Micang Finance is an Internet information service company, providing high-quality financing solutions and risk control services. Now doing real estate mortgage loans is mainly aimed at primary mortgage and secondary mortgage. At present, the requirements for borrowers are:

The mortgaged property is located in the administrative area of Beijing; The core mortgage rate does not exceed 70%;

Collateral is a 70-year-old residential property (including villas and apartments with 70-year-old property rights).

The age of residential houses shall not exceed 30 years (from the date of completion), and villas and apartments shall not exceed 25 years;

The loan applicant is a citizen of China, aged 18-65, with full capacity for civil conduct. The applicant and his spouse have no bad credit records, no legal debt disputes or other bad hobbies, and the applicant's business entity has no bad credit records;

The loan amount is not less than 6.5438+0 million and not more than 20 million;

There is no abnormality in the credit card and loan account, that is, there is no overdue or 4-day accumulation within 2 years10;

Not included in the list of untrustworthy persons;

The court did not enforce it.

Because housing loans are short-term large-scale capital turnover, the specific situation depends on the specific situation.