Generally, the longest period for personal loans does not exceed 5 years, and the geographical location and age of the mortgaged property must comply with the bank's regulations

; the property rights belong to the owner If it is your father, the signature of the mortgagor needs to be signed by your parents. The specific information required is as follows:

Loan conditions:

1. You must have collateral to get a loan, and the loan amount The total interest during the loan period cannot exceed 1/2 of the assessed value of the collateral;

2. Have a long-term and stable source of income sufficient to pay the monthly loan principal and interest;

3. Guarantor ;

4. Information required for personal loans: ID card, household register, marriage status certificate, income certificate, real estate certificate and guarantor

ID card, household register, marriage Status certificate and other relevant information that the bank needs to provide.

5. Identity card/hukou/marital status certificate of the property owner;

You also need to pay lawyer witness fees, mortgage registration fees, mortgage property insurance premiums, and property assessment fees, etc.

Generally, it takes about 1 month to get a loan^_^

Process:

1. Submit a loan application to the bank,

2 .After the bank accepts the application, it will assess the value of the mortgaged property and determine the loan amount based on the assessed value;

3. Sign a loan contract, etc.;

4. Handle real estate mortgage registration matters; < /p>

5. Bank loan^_^