Based in Zhengzhou, he has been engaged in the financial industry since graduating from university in 2016, and is a senior loan intermediary and operation supervisor.
The process of the second mortgage of the house is very simple, that is, the bank interviews - the next account - the approval - the mortgage - the loan.
But the most important thing for the second charge is whether it meets the requirements of the second charge and the product selected.
Before making a second bet, you must first understand the conditions of the second bet.
[1] Unified requirements
Title deed in hand.[2] Two mortgage products[1] People's livelihoodThe house has a quota.
Customers whose real estate certificates arrive after June 1, 2021 will no longer accept the second mortgage business.
Age of the house: 25 years old.[2] ZheshangInterest: annualized 35%—5.5%
Repayment Method: 5-year term of interest first.
business: Real business for 1 year.
Credit Reference Requirements: Within 2 years, you can't get 3 or 6 times overdue, and don't check more than 5 times in the last 3 months.
Age: 25 years old.[3] Zhongguancun BankInterest: 5 per annum5%——7.5%
Repayment method: 5 years with interest first and principal later.
Operation: Do not make real requirements.
Credit investigation: The debt is not high, and the credit card usage rate does not exceed 80%.
Age: 25 years old.[4] Consumer financeInterest: 6 per annum3%——9%
Repayment method: 2 years of interest first and principal later.
Equal principal and interest for a period of 5 years.
Operation: Do not make real requirements.
Credit investigation: within 2 years, the overdue period shall not exceed 3 and 6, and there is no requirement for inquiry.
Age: 25 years old.[5] Pawn shopInterest: 15%-18% annualized
Repayment method: 1-6 years of equal principal and interest.
Operation: Do not make real requirements.
Credit investigation: within 2 years, the overdue period shall not exceed 3 and 6, and there is no requirement for inquiry.
Age: 30 years old.[6] Individual contributionsInterest: 12 points - 18 points.
Repayment method: 6 months with interest first and principal later.
Operation: Do not make real requirements.
Credit information: Don't ask too much, you can communicate with the quality of the house.
Marriage: Real.
Age: 40 years old.Therefore, the interest rate of the second offset is not particularly low, but it can indeed solve the problem of some customers' money.Interest: 12 points - 18 points.
Repayment method: 6 months with interest first and principal later.
Operation: Do not make real requirements.
Credit information: Don't ask too much, you can communicate with the quality of the house.
Marriage: Communicative.
If it is not suitable for the second mortgage business, there is also a credit business for mortgage housing.
[3] Mortgage credit
If you say that you don't want to handle the first or second arrival of the house, the credit investigation is not spent, and the money you want to use is not much, there is also a credit launched for the mortgage housing customer group.For mortgage housing customer groups, the better the credit, the more products can be made, and the lower the interest, so it is best to protect your credit under the conditions of your ability.Quota:The maximum for a single bank is 300,000.
Interest: annualized 35%—4.5%
Repayment Method: Interest first, principal later, repayment in 3 years.
Mortgage requirements: If the mortgage has been repaid for 1 year, the mortgage loan should not be extended or overdue.
Credit Reference Requirements: The credit card utilization rate shall not exceed 80%, the industrial and commercial mortgage can be overdue once, the mortgage loan of other banks shall not have an overdue record, and the overdue loan of other banks shall not exceed 3 consecutive 6 within 5 years
Statute of limitations: 2-5 working days.
Finally, I am Wu Yue who is doing loans in Zhengzhou, I hope you don't need the loan, in case you do, I wish you a good person!