Feature of product
Mortgage house refinancing means that the customer’s real estate currently has bank debts, but does not exceed the maximum loan limit of the one-time credit investigation cooperative bank. Loan consultation can be conducted through the one-time credit investigation, and the real estate is used as collateral, and the bank After applying for the loan service, the property can still be used or leased normally.
Chinese citizens holding second-generation ID cards
18 years old (inclusive) to 70 years old (inclusive)
Can provide Chongqing local real estate mortgage
Good credit history
① A natural person under 70 years of age (inclusive) with full capacity for civil conduct;
②Able to provide legal, effective and full-value real estate as mortgage;
③Good credit, capable of repaying principal and interest in full and on time;
④Other conditions stipulated by the industry.
① ID cards of both spouses
②Hukou Book (full page)
④ Real estate certificate (full page)
⑤Proof of work income for both spouses (valid within 30 days)
⑥Individual current bills of both spouses in the past six months (with bank seal)
⑦Usage certificate, etc. (only for consumption)