Personal housing mortgage loan
their own or someone else's property as collateral to get loans from banks, unrestricted.
1, duration, percentage of loans:
70% House are the highest appraised value of the loan amount.
2, conditions necessary for borrowers:
with identity cards, in the age of 22-60 natural.
has a stable job and a stable income and ability to repay the loan principal and interest as scheduled.
can offer himself or herself of the houses as collateral.
3, home conditions of:
-owned real estate, houses, villas, end of business, Office and so on.
procedures in place, can the mortgage registration formalities and listed.
4, the borrower shall provide material:
couples ID cards and Hukou, marriage certificate (such as single provides a single proof).
income certificate and the copy of business license copy (stamped).
original house property certificate.
yigougongfang must provide the original purchase agreement.
authorities provided public confirmation of their labour wards.
5, bank interest rates and repayment options:
commercial bank interest rate over the people's bank lending rates.
within two years of the loan term, you can choose monthly or quarterly interest, due a one-off debt-repayment; for more than two years of the loan term, you can select a monthly principal and interest or principal repayments.
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