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                            Ningbo Merchants Bank Housing Mortgage Loan

China Merchants Bank - Housing Mortgage Loan

China Merchants Bank Ningbo Branch
Loan time:
7 days for approval, 0 days for loan
Suitable area:
Ningbo
Loan qualification test

Interest rate description:Updated on September 10Notify me of changes

Property Type Number of sets Common approved interest rate Lowest interest rate Maximum interest rate Down payment ratio
Residential First suite 1.1 times(5.39%) 1.1 times (5.39%) 1.2 times (5.88%) 30% down payment
Residential Second suite 1.2 times(5.88%) 1.2 times(5.88%) 1.3 times (6.37%) 40% down payment
Commercial Unlimited number of sets 1.15 times(5.64%) 1.1 times(5.39%) 1.2 times (5.88%) 50% down payment
Bank interest rates will vary depending on time, place of acceptance, and applicant's credit status. The above data is for reference only.I have to correct it!
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Commercial loan amount
Ten thousand yuan
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Application conditions
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Age requirements: up to 20 years;
Area requirement: at least 70 square meters or more;
The collateral is located in Jiangdong District, Jiangbei District, Haishu District and Yinzhou District of Ningbo City;
Working years: working in the current unit for 6 months;
The term of the loan: the sum of the ages of the male applicants is not more than 65 years, and the sum of the ages of the female applicants is not more than 60 years.
materials needed
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                    To apply for a first-hand personal housing loan, you must prepare and provide the following information in advance:
1. Valid identity documents and proof of marital status of the borrower and spouse;
2. Borrower's household registration certificate (home registration book or other valid residence certificate, foreign household registration must provide local continuous payment of 12 months of social security);
3. Borrower's economic income certificate and professional certificate;
4. The “Consumer Housing Sales (Pre-) Sales Contract” or “Purchasing Commodity Housing and Consent Agreement” signed by the borrower and the real estate development enterprise;
5. A receipt or invoice copy of the down payment from the real estate development company, or a bank deposit slip for the down payment.
6. The first set of housing certificate or no housing certificate issued by the housing management department where the house is purchased and where the household registration is located.
7. Other documents or materials requested by the lender.

To apply for a second-hand personal housing loan, you must prepare and provide the following information in advance:
1. Valid identity documents and proof of marital status of the borrower and spouse;
2. Borrower's household registration certificate (home registration book or other valid residence certificate, foreign household registration must provide local continuous payment of 12 months of social security);
3. Borrower's economic income certificate and professional certificate;
4. Proof of property rights of the second-hand house purchased;
5. The “House Sales Contract” signed with the seller and the transfer account number provided by the seller;
6. If the collateral is to be assessed, a collateral assessment report issued by an assessment agency approved by the lender;
7. The owner of the purchased property owner agrees to the written authorization document for the sale of the house;
8. The first set of housing certificate or no housing certificate issued by the housing management department where the house is purchased and where the household registration is located.
9. Other documents or materials requested by the lender.
Repayment instructionsEarly repayment calculator
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Repayment in advance: You need to make an appointment 3-5 days in advance, go to the bank to sign and confirm, the minimum repayment amount is 10,000 yuan. In principle, you can repay the repayment order several times in advance, only one repayment opportunity per year, which can be determined according to the actual situation of the customer.
Repayment method: equal principal and interest, equal principal
                    Mortgage loan question and answer
  • problem:
  • Reply:
    Yes, the third party can be the borrower and the real estate owner can act as the mortgagor. You can also apply for an unsecured bank loan if you have a property.
    2016-10-03
  • problem:
  • Reply:
    2 to 3 weeks have the approval result clear interest rate, amount. Then go to the trading center to transfer, the name of the certificate is changed to 5 to 7 working days after the lender.
    2016-10-03
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You are enteringNingbo Station,
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