Wuhu rent mortgage loan Wuhu real estate license mortgage loan

Can I get a loan without a real estate license? Wuhu resettlement house hasn't got the real estate license yet. Can I get a loan?

No loan.

But if you buy a commercial house from a developer, you can get a loan without the property right certificate.

how much can I borrow with a 15-square-meter house property certificate in Wuhu?

The mortgage rate of personal loans of China Merchants Bank is as follows: 1. If you use "commodity housing" as collateral, the maximum loan/credit amount shall not exceed 7% of the present value of real estate assessment; 2. If you use the "commercial house" as collateral, the maximum loan/credit amount shall not exceed 6% of the net value of real estate assessment or 5% of the appraised present value; 3. The credit amount of the loan shall not exceed 5% of the transaction price of the purchased commercial house or 55% of the transaction price of the purchased commercial and residential dual-use house. Your specific loanable amount needs to be determined after comprehensive examination and approval later. Please contact the handling bank directly for confirmation.

How to apply for a bank loan with a real estate license

How to apply for a bank loan with a real estate license:

1. Submit the required documents:

(1) Property ownership certificate or house ownership certificate, land use certificate;

(2) ID cards, household registration books and marriage certificates of the borrower's husband and wife. Singles need to go to the local civil affairs bureau to issue a single certificate;

(3) proof of income requires official seal;

2. house inspection evaluation: according to the location, floor, area and orientation of the collateral, the house can generally be loaned to 5-9% of the evaluation price;

3. After signing the contract in person in the bank and evaluating the house, it is necessary to go through the formalities of house insurance and the corresponding loan approval, and agree with the approval to issue the loan contract and mortgage contract;

4. mortgage registration: the borrower shall go through the mortgage registration formalities at the district/county real estate bureau where the real estate is located with the real estate license and loan contract, and the expenses of the agency shall be borne by the borrower;

5. After the loan and mortgage are registered, the bank can release the loan to the borrower's personal savings account.

Legal basis: Article 397 of the Civil Code of the People's Republic of China

If a building is mortgaged, the right to use the construction land within the occupied area of the building shall be mortgaged together. Where the right to use construction land is mortgaged, the buildings on the land shall be mortgaged together.

if the mortgagor fails to mortgage together in accordance with the provisions of the preceding paragraph, the unsecured property shall be deemed to be mortgaged together.

Article 398

The right to use the construction land of township and village enterprises shall not be mortgaged separately. Where buildings such as factories of township and village enterprises are mortgaged, the right to use the construction land occupied by them shall be mortgaged together.

Can Wuhu's real estate license be mortgaged? At most, it can be loaned to 7% of real estate assessment value.

Property mortgage loan process:

The borrower opens a current deposit account in the bank;

prepare the information required for the loan;

face-to-face signing bank;

bank filing and approval;

after the approval of the bank, notify the borrower of the approval result and sign a loan contract with the borrower;

go to the construction Committee to register the mortgage;

the project construction Committee issues other rights certificates;

handle insurance, notarization and other procedures as appropriate;

the bank directly transfers the loan to the account agreed in the contract;

the borrower pays the principal and interest according to the loan contract.

how much will the mortgage bank loan in Wuhu, Anhui be repaid after 2, years * * * five years

The monthly interest of the bank loan is .75%.

then 5 years, 6 installments, the interest is:

2,5,.75% 6 = 112,5,

and the principal is: 362,5.

This is the end of the introduction of Wuhu real estate license mortgage loan and Wuhu rent mortgage loan. Did you find the information you need from it?