personal loan business premises

Personal loans are commercial buildings that use bank credit funds to buy commercial houses of various types of natural persons of the loan. The alleged commercial space is used for the borrower to purchase the profitable operation of the Housing ...

1, loan purpose: to support individuals in the Chinese mainland cities and towns in the purchase of commercial buildings to housing, currently its main products are unsecured and short-term loan guarantee individual business premises, that is usually called "individual business premises of mortgage loans."

---- 2, loans: the full civil capacity of Chinese citizens in mainland China have the right of abode with full civil capacity of natural persons in Hong Kong, Macao, the Chinese mainland have the right of abode in the full civil capacity of Foreigners;

---- 3, loan conditions: (1) to be effective urban resident accounts or residence documents, (2) have a stable income, have the ability to repay the loan principal and interest, no adverse credit history, (3) a legitimate and effective The purchase of commercial space contracts, agreements and loans to other requests for documents, (4) to purchase all commercial premises to assess the price or value of more than 40 percent (including 40%) of self-financing and guarantees to cover By the purchase of commercial space in the first payment (5) to provide loans to the recognition of an effective security (6) Bank loans under other conditions.

---- 4, line of credit: up to the purchase of commercial space sales price or assessed value (in both places, whichever is lower) of 60 percent;

---- 5, duration of loans: up to 10, do not exceed the purchase of commercial space remaining useful life.

---- 6, loan rates: People's Bank of China in accordance with the provisions of the same period in the implementation of the same grade lending rates may be floating.

---- 7, loan applications should be submitted to the information:

----( 1) legitimate copies of identity documents (identity cards, the account, Jun Guanzheng, China's mainland have the right of abode in the offshore natural for foreign passports, visiting relatives permits, residence permits to go home for documents or other status Documents);

----( 2) approved loans to borrowers ability to repay supporting information, such as: proof of income and assets that, and so on;

----( 3) legal and effective, the purchase of commercial space contracts, agreements, etc.;

----( 4) mortgage or pledge of security, to provide mortgage or pledge of rights ownership documents, issued by the powers who agreed to the mortgage or pledge in writing;

----( 5) guarantee of security, to provide sponsors agreed to provide a written security guarantee and commitment to the creditworthiness of proof;

----( 6) borrowers for the purchase of commercial space supporting the self-financing;

----( 7) provides loans to other documents and information.

---- 8, customer loan process: the same individual housing loans.