I'm glad to answer your question. At present, the longest term of real estate mortgage loans (commercial and consumer loans) in Shijiazhuang is 20 years.
1. How about the real estate mortgage loan in Shijiazhuang? Shijiazhuang real estate mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It is a triangular relationship with housing sales contract, housing mortgage agreement and housing mortgage loan contract as the link. 2. What are the conditions for Shijiazhuang real estate mortgage loan? 1. Requirements for the Lender 1) The actual age of a natural person with full capacity for civil conduct on the loan maturity date is generally no more than 65 years old; 2) Have a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; 3) Willing and able to provide real estate mortgage recognized by the lender; 4) Someone in the real estate * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities. 2. Conditions to be met for mortgaged houses 1) The property rights of houses should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market for trading without other mortgages; 2) The sum of the house age (calculated from the date of house completion) and the loan period cannot exceed 40 years; 3) Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate and land certificates issued by real estate departments and land management departments. What needs to be reminded here is that the owner of the mortgaged property can be the borrower himself or someone else. Where other people's property is used as collateral, the mortgagor must issue a written commitment to allow the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
2. What is the longest term of housing mortgage loan in Shijiazhuang? (Room age 30 years)
I'm glad to answer your question. At present, the maximum period is 20 years.
1. How about the real estate mortgage loan in Shijiazhuang?
Shijiazhuang real estate mortgage loan refers to a loan in which the borrower takes the purchased house and other property with ownership as mortgage or pledge, or a third party provides guarantee for the loan and assumes joint liability. It reveals the triangular relationship between the agreement and the housing mortgage loan contract.
2. What are the conditions for Shijiazhuang real estate mortgage loan?
1, the lender wants
1) The actual age when having full capacity for civil conduct is generally not more than 65 years old;
2) Have a fixed residence; Have a proper occupation and the ability to stabilize the principal and interest of loans;
3) Willing and able to provide the lender's approval.
4) Someone in the real estate * * * recognizes its loan and guarantee behavior and is willing to bear relevant legal responsibilities.
2, mortgage housing to meet the conditions.
1) The housing listing and trading conditions can be circulated in the real estate market without any other mortgage;
2) The sum of the house age (from the house completion date) and the loan period cannot exceed.
3) The mortgaged house has not been moved, and there are real estate and land certificates issued by real estate departments and land management departments.
What needs to be reminded here is that if the borrower himself or others use the property owned by others as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it.
3. How long can the mortgage loan last? How to determine the term of housing mortgage loan
The term of mortgage loan is determined according to the lender's age and his own house age. The average lender can give loans to men who are 65 years old and women who are 60 years old, that is, if the male lender is 40 years old, the longest loan can last for 25 years, followed by the age of the house, which is generally less than 40 years plus the loan period, and the longest loan period is 30 years ~