What is the loan process of Hangzhou real estate license?

Hangzhou real estate license loan process is as follows:

1. Prepare information and apply for a loan from a bank in Hangzhou. After the approval, the bank will appoint an evaluation agency to evaluate your house;

2. After the evaluation by the evaluation agency, issue an evaluation report, that is, how much is your house worth;

3. According to the evaluation report and your personal situation, the bank will give you the corresponding loan amount and loan period;

4. Mortgage the property right certificate and then transfer the money to your bank account.

The general process is like this, I hope I can help you ~

20 19 bank mortgage approval process:

First, the loan applicant provides the application form and loan materials.

Second, the account manager input system.

Third, the review of the credit department.

Fourth, the approver approves.

Verb (abbreviation for verb) bank loan

Requirements for examination and approval of mortgage loan of Hangzhou real estate license:

1. Loan amount: 3-5 million.

2. Loan interest rate: Nianhua 7-7.5

3. Mortgage rate: one-time mortgage: 60% of commercial housing, with 40% allocated; Second mortgage: after one year of mortgage repayment, 60% of the mortgage balance will be repaid less.

4. Age requirement: less than 30 years old (including 30 years old)

5. Area: from 50 square meters (not emphasizing the second house)

6. Owner's age: 22-64 years old.

7. collateral requirements: commercial housing, demolition and resettlement houses

8. Credit request: The cumulative number of inquiries within two years shall not exceed 9 times (single time is not limited), and the number of inquiries within two months shall not exceed 3 times. The same inquiry is calculated once and is not included in the lender.

The above contents are for reference only, I hope I can help you. Thank you for your support to Kanfangwang. I wish you a happy purchase!