How many years can I borrow a parking space loan?

1. How many years can I borrow a parking space loan?

1. The loan term is long, generally ranging from 1 to 3 years, with a maximum of 5 years;

2. There are many repayment methods, such as equal monthly payment and average principal. Simple guarantee, providing property mortgage, pledge or third-party guarantee approved by the cooperative bank;

3. Application conditions:

The borrower must be a permanent resident of the place where the loan bank is located and have full capacity for civil conduct;

② The borrower can provide corresponding guarantee;

(3) The borrower can provide corresponding proof of consumption purpose;

(4) The borrower has repayment ability and no record of non-performing loans.

2. What is the interest rate of the parking loan?

(1) According to the individual housing loan interest rate. The annual interest rate of the loan is 4.77% for five years and 5.04% for more than five years;

(2) Separate according to the interest rate of applying for parking loan. The annual interest rate of the loan is 5.3 1% for one year, 5.49% for two to three years, 5.58% for three to five years and 5.76% for five to ten years.

Parking loans are higher than the central bank's benchmark interest rate. The maximum loan amount of Agricultural Bank of China shall not exceed 60% of the assessed value of collateral, and the loan period shall not exceed 10 year. The loan amount for parking spaces of Bank of Communications shall not exceed 70% of the transaction price, and the loan period shall not exceed 10 year. Minsheng Bank's parking space loan object is limited to the parking space in the residential area where the "Minsheng Mortgage" first-hand housing loan is located. The loan amount shall not exceed 60% of the transaction price of the parking space, and the same loan period shall not exceed 65,438+00 years.

Third, how to calculate the parking loan interest rate?

Parking loan belongs to commercial property mortgage, and its interest rate needs to rise at least 10% on the basis of normal housing loan interest rate, that is, it needs to be close to 7%. Car loan refers to the loan issued by the lender to the borrower who applies for buying a car. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers.

The interest rate of automobile consumption loan refers to the ratio of the loan amount to the principal given by the bank to consumers, that is, borrowers, for purchasing their own cars (non-profit family cars or commercial vehicles with less than 7 seats). The higher the interest rate, the greater the repayment amount of consumers.

First of all, the lender needs to prepare ID card, residence certificate, work certificate, loan use certificate and other supporting materials, go to a bank, fill out an application form and fill out a contract.

Then, wait for the bank's pre-loan qualification investigation and approval. If the lender meets the loan conditions stipulated by the bank, the bank will inform the lender to fill out some loan forms. If the loan applied by the lender needs mortgage or guarantee, it is also necessary to sign a guarantee contract and a mortgage contract, and go through the mortgage registration procedures; If so, there is no need to sign such a contract.

Secondly, banks issue loans to lenders. Generally, banks will lend money within 2 to 3 weeks or 1 month after the approval is completed, and the loan can be released within 1 day at the earliest. Finally, the borrower will pay the down payment to the car dealer, and handle the car pick-up formalities with the passbook and the car pick-up note issued by the bank.

In the process of applying for personal automobile consumption loan, the applicant needs a copy of ID card, household registration book, marriage certificate, income certificate, bank statement, real estate license and so on.