5 thoughts on “What items can be mortgaged in Chengdu mortgage loan?”

  1. Ramona

    Personal mortgage loans generally need to apply for mortgage applications that meet the stipulated in our bank;
    The mortgage loan currently only accepts real estate mortgage; if you need to apply for a personal car mortgage loan, you can use the vehicle you purchased. For mortgage applications; if you have an unfamiliar deposit, deposit payment, etc., you can also try to apply for a pledge loan.
    Real estate mortgage requirements:
    The commercial housing and commercial housing with clear property rights and strong monetization capabilities are used as mortgages.
    [Warm reminder] The following conditions must be met:
    ① The real estate and loan agencies used for mortgage must be located in the same city. Personal mortgage purchase loans do not accept mortgages in different places.
    ② Real estate that does not accept the assessment of the present value of less than 100,000 yuan (inclusive) as a mortgage;
    ③ has a clear property right to proof of the property rights, which can be listed and distributed in accordance with the law. Metapacity;
    ④ has strong monetization ability, the real estate structure is intact, and various supporting facilities and services and services such as water, electricity, environmental protection transportation, urban construction, and property management are complete. Internal;
    ⑤ The collateral is a commercial housing. The age of the house must not exceed 20 years, and the loan/credit period will not exceed 40 years in principle; if the mortgage is commercial housing, the age of the house must not exceed 20 In the same year, the loan/credit period should not exceed 30 years in principle.
    ⑥ In principle, do not accept commercial housing that has been idle for more than 6 months as a mortgage;
    The whether your property meets the conditions, please contact the local outlet department for consultation and confirmation.

  2. Alonzo

    Depending on the situation! Instead of decision to be operable
    The normal business parts must sign a spouse signature!
    The house is a pre -marital property, but the version of the mortgage loan is now married. The real estate certificate is the name of one party. However, the bank requires the husband and wife to sign together. R N Bank blacklist mortgage, 70 % 3 years and 5 years, such as
    Moth sale of houses, transfer loans, short -term borrowing
    The blacklist borrowers with different time of time, handle the method of source real estate mortgage loans different. Generally speaking, the borrower has a cumulative record of 8 overdue records within five years and does not record overdue records for more than 3 consecutive months. They can find other bank loans. If the borrower has more than eight overdue repayment records and a mortgage loan is handled, a third party must be found for guarantee. The third party can be the guarantor or the guarantee company

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