Can I get a loan if the parking space has property rights?

Can the parking space title certificate be mortgaged?

Parking space property certificate can apply for mortgage loan. Parking space title certificate has certain value, and users can mortgage parking space title certificate to the bank to apply for mortgage loan. However, the value of parking spaces is not as high as that of real estate, so the amount of loans that can be applied for is relatively limited. The user can't apply for the mortgage loan of parking space title certificate without obtaining the parking space title certificate.

When users apply for mortgage loans, the collateral must be valuable collateral recognized by the bank.

Can I get a mortgage for my own parking space?

Of course. In principle, as long as the property rights are within the scope prescribed by law and the applicant agrees to mortgage, you can apply for a mortgage loan. Therefore, if you have obtained the property right of the parking space, you can actually use the property right of the parking space as collateral to apply for a mortgage loan.

Can I get a loan for parking property?

If you apply for a loan through China Merchants Bank, we only accept real estate as collateral. Car mortgage is limited to automobile mortgage.

If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.

1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.

2. If you have a savings card of China Merchants Bank, you can log in to the mobile banking and click "My → All → Loan → Lightning Loan" to apply for lightning loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.

3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.

4. There are two ways to apply for a loan within the lightning loan limit:

(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.

(2)t 1 day loan. Within T 1 day, there will be a phone call from the nuclear power plant to verify and arrange the loan after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.

Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.

(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.