Urgent! ! ! Which bank in Hefei can handle personal housing mortgage loan?

First, hurry! ! ! Which bank in Hefei can handle personal housing mortgage loan?

Generally speaking, banks rarely lend money. You can ask the company to guarantee loans from banks or directly from the company.

2. Which bank is good for Hefei real estate mortgage loan, with low interest and fast loan?

To apply for a housing loan at China Merchants Bank, you must comply with the local housing purchase policy, and the age plus loan period shall not exceed 70. At the same time, you must provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.

3. Which bank in Hefei can handle real estate mortgage loan?

1. What can be used as collateral for bank mortgage loans?

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Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. Mortgage loans with real estate generally need to be evaluated first, and after evaluation, the loan can reach 70% to 80% of the evaluation price.

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4. Which bank in Hefei can handle real estate mortgage loan?

China Bank, Bank of Communications, Agricultural Bank and Postal Bank can provide mortgage loans for real estate, as long as your credit information is good and you have never applied for mortgage loans for real estate.

Mortgage loan is a popular loan method at present, which is suitable for users with general qualifications and credit and qualified collateral under their names.

Choosing a lending institution: The first and most crucial step in handling real estate mortgage loan is to choose a low positive interest rate, which is relatively slow and requires high safety and reliability. Although private lending has many interest rates, it has low audit requirements and fast processing speed. Therefore, choosing the right lending institution is a crucial step in the whole loan process.

Submit the application and application materials: After selecting the appropriate organization, you can submit the application with the materials required by the applicant organization.

Bank mortgage loans can be used to mortgage real estate, factories and shops first. The house must be appraised first, and the loan can reach 78% of the appraised price after appraisal.

Preliminary review: the lending institution will conduct a preliminary review of the basic materials we submitted before, and the review needs to meet the relevant requirements.

Appraisal: general lending institutions, especially banks, need to go to designated or recognized appraisal institutions for appraisal, and appraisal fees will be charged during appraisal. The fees charged by different institutions may be different, and the charging standards in different regions are also different.

Examination and approval of loan signing contract: the lending institution will re-examine the loan according to the materials and evaluation report submitted before, and will communicate with you about the payment method of the loan after the approval.

Handle mortgage registration and loan.

To sum up, the amount of mortgage loan can be analyzed on a case-by-case basis, because there are many factors to consider, so we still need to handle the evaluation factors and procedures of housing mortgage.

At present, banks basically do not make loans of less than 3 million yuan. Our company is a state-owned enterprise, the president unit, and needs the real estate to lend money within the next working day, which is efficient and simple.

: Inquiring about the relevant policies of the local government, there may be a complicated process in the bank: 1, and submitting an application to the local bank or relevant institutions; 2. Prepare all kinds of required materials; 3. Face-to-face signing by the bank or relevant institutions; 4. Qualification of bank auditors; 5. Approved and successful loans.

China citizens with personal credit application, permanent residence in local towns, full capacity for civil conduct and ability to repay the principal and interest on schedule; 3, law-abiding, not on record; 4. Obtain a personal settlement account opened by an A-level commercial bank from ICBC; 6. Other conditions stipulated by the bank. However, it is really troublesome, long and strict to handle these in the bank.