Which bank in Tianjin is easy to get a loan if you don't pay attention to it

Which bank in Tianjin is easy to get a loan if you don't pay attention to it
Generally, banks can accept it, but if they pursue the processing speed or higher loan &zwnj& zwnj; You can seek “ Loan guarantee company ” Assist in handling
It is worth reminding that due to the differences in loan products launched by domestic and foreign commercial banks, there are great differences among banks in terms of interest savings, loan amount, approval procedures and speed
Consumers had better choose carefully with the advice of professionals

Real estate mortgage consumer loan: refers to a credit method in which the borrower applies for a loan from the bank with his own or a third party's real estate as collateral for comprehensive consumption such as buying a car and a house, and the borrower repays the principal and interest to the bank in installments or in a lump sum
Compared with other types of loans, the biggest feature of mortgage real estate loans is that they can be used for a very wide range of purposes, and can meet the comprehensive needs for funds in personal life at the same time

Suitable for: borrowers who buy houses with full payment and need existing funds; The borrower who has paid off the loan for house purchase and has capital demand;
Asset requirements: the borrower shall provide Tianjin real estate for mortgage;
Housing age requirements: no more than 25 years for residential buildings and no more than 20 years for shops and office buildings;
Type of collateral: ordinary residence, shop and office building;
Application materials: ID card, household register, marriage certificate, house property certificate, income certificate and statement of the borrower and his wife;
Highlights of real estate mortgage consumer loan products:
1
The loan amount obtained is large: the maximum amount can reach 1million yuan, while the upper limit of unsecured credit loan is generally only 500000 yuan;
2
The proportion of loan mortgage is moderate: this type of loan can generally obtain a loan proportion of 70% of the property value, which has a very obvious advantage over the proportion of 50% of credit loans;
3
Long repayment time span: the longest loan term of housing mortgage consumer loan can be as long as 10 years, so it can greatly reduce the monthly repayment pressure of individuals or enterprises;
4
The loan has a wide range of uses: it can be used for any consumption purpose other than the purchase of residential commercial housing
Operation process:
1
customer application
The customer shall apply to the bank, fill in the application form in writing and submit relevant materials at the same time

2
sign the contract
After the bank has reviewed and approved the application materials submitted by the borrower, both parties shall sign a loan contract and a guarantee contract, and go through relevant real estate evaluation and mortgage registration procedures as appropriate

3
granting loans
For the loan approved and approved by the bank, after all formalities are completed, the bank will issue the loan to the trading partner or the personal settlement account designated by the borrower for the purpose agreed in the loan contract by transfer as agreed in the contract

Tel: Manager Du [133]-[0211]-[2928]