How to get a loan using a real estate certificate: full process analysis combined with recent hot topics
Recently, real estate market policy adjustments and surge in loan demand have become hot topics. This article will combine the hot spots on the Internet in the past 10 days to introduce in detail how to use real estate certificates to apply for loans, and provide structured data reference.
1. Recent hot spots related to real estate loans (latest in 2023)
| hot topics | heat index | Related policies |
|---|---|---|
| Mortgage interest rates cut | ★★★★★ | The central bank lowered LPR by 15 basis points |
| Second-hand house transfer with deposit | ★★★★☆ | Ministry of Natural Resources New Deal Pilot |
| Provident fund loan limit increased | ★★★☆☆ | Adjustments to Provident Fund Policies in Many Places |
| Growing demand for operating loans | ★★★☆☆ | Small and micro enterprise support policies |
2. Guide to the whole process of real estate certificate loan
1. Basic loan conditions
| Project | Requirements standards |
|---|---|
| Property nature | Commercial housing with 70-year property rights (some banks accept both commercial and residential uses) |
| House age limit | Generally no more than 25 years (different banks vary greatly) |
| Mortgage rate | Usually 70% for residential properties and 50-60% for commercial properties |
| Borrower qualifications | Good credit, stable income, debt ratio not exceeding 50% |
2. Six steps of the application process
| steps | Specific operations | Materials required |
|---|---|---|
| 1. Appraise the property | The bank's designated appraisal agency issues a report | Original real estate certificate |
| 2. Submit application | Fill out the loan application form | ID card, household register, income certificate |
| 3. Bank approval | Results will be available in 3-7 working days | Credit report (obtained by the bank itself) |
| 4. Sign a contract | Confirm loan amount/interest rate/term | Proof of marriage (if applicable) |
| 5. Mortgage registration | Real estate center handles other warrants | Appraisal report, house purchase contract |
| 6. Lending | 1-3 working days to arrive | Copy of bank card |
3. Comparison of the latest loan policies in 2023
| bank | Mortgage interest rate | Loan cycle | Special services |
|---|---|---|---|
| ICBC | 4.1% (LPR-20BP) | 7-15 days | Online assessment system |
| China Construction Bank | 4.0% (first set) | 5-10 days | Pilot transfer of ownership with deposit |
| China Merchants Bank | 3.9% (high-quality customers) | 3-7 days | Remote video interview |
| Ping An Bank | 4.3% (operational) | 10-20 days | Quick loan products |
4. Hotspot association suggestions
In conjunction with the recent new policy of "transfer with mortgage", it is recommended that second-hand house owners consult the original lending bank about the specific process of mortgage transfer. At present, pilot cities have realized that transfers and remortgages can be completed without repaying the original loan.
For small and micro business owners, you can pay attention to the interest discount policy for operating loans. In some areas, interest rates are subsidized for loans that mortgage properties for production and operation, and can be as high as 30% lower than the benchmark interest rate.
5. Risk warning
1. Be wary of the risk of bridging funds. Some intermediaries claim that "packaging loans" may involve illegal activities.
2. Confirm the repayment ability. Overdue payment may result in the property being auctioned.
3. Compare different bank products to avoid falling into the "low interest trap" (high handling fees may be hidden)
Summary:In 2023, the loan process using real estate certificates will be more convenient, but you need to choose the appropriate product based on your own situation. It is recommended to go through the bank’s official channels and continue to pay attention to the interest rate adjustment window period caused by changes in LPR.
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