1, legal identity is required;
2, need to have a stable economic income and the ability to repay the loan principal and interest, and no bad credit record;
3. Need to have a legal and effective purchase contract;
4. If the newly purchased house is used as a high mortgage, it must have a legal and effective purchase contract, the age of the house is within 10, and a down payment of not less than 30% of the total price of the purchased house has been prepared or paid; ;
5. If the mortgage loan has been purchased and handled, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the ownership certificate, and the age of the house is within 10 years;
6. Being able to provide effective guarantee recognized by the loan bank;
7. Other conditions stipulated by the lending bank.
8. The collateral of mortgage loan is your house;
9. You need to have a regular job to repay the loan;
10, find more commercial banks such as China Merchants Bank and Development Bank, which may have lower requirements for your income threshold;
1 1. The loan amount is 50% of the amount assessed by the bank. The appraisal is conducted by an appraisal company designated by the bank. The evaluation value is generated according to the age of your house, ancillary facilities, the degree of residential projects and other related factors. Generally, the evaluation price will be lower than the market price of the house, because banks should control risks.
If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%
Click online measurement
It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards. Online lending is risky, so choose carefully!