I. Required Documents:
1. For married borrowers: ID cards, household registration books, and marriage certificates of both spouses; For unmarried borrowers: ID card, household registration book, and proof of being unmarried, Longines; For divorced borrowers: ID card, household registration book, divorce certificate, property certificate, [Versace women's watch] There is a kind of pain called "dare not to miss";
2. Income proof (business households can provide business licenses, tax registration certificates, code certificates, recent financial statements, and tax payment slips);
3. House ownership certificate, land certificate, deed certificate (housing reform approval form for housing reform houses, demolition distribution agreement for demolition houses);
II. Process:
Provide documents for evaluation, bank approval, loan approval, mortgage, disbursement
Private loans: Provide documents, on-site inspection of houses, notarization, mortgage registration, disbursement
III. Loan Disbursement Time, Loan Term, and Interest:
1. Disbursement time: Generally around 10 working days (If you urgently need funds, you can apply for private loans through Fuhong Financing Company)
2. Loan amount and term: Up to 70% of the house valuation, half a year - 15 years
3. Interest: Bank loans refer to (interest rate table), private loans are based on private interest rates
IV. Conditions:
1. Borrower's age: The borrower's age should be less than 65 years old, Longines men's watches, if older than 65 years old, third-party bank loans can be processed;
2. No regional restrictions, no area restrictions;
V. Types of houses that can be mortgaged:
Residences, apartments, villas, office buildings, shops, factories, land use rights, etc.