The Bank of Wenzhou a loan innovation of personal mortgage loan-aquaria

The Bank of Wenzhou a loan innovation of personal mortgage loan-aquaria

The Bank of Wenzhou "a loan innovation of personal mortgage loan bank of Wenzhou recently launched" a personal mortgage loan business loans, loans for up to 11 years, which broke the previous bank personal mortgage practices of one to three years, a period of ten years is innovation of individual bank individual mortgage products. The loan amount is the highest, up to 10 million yuan. Mr. Chen runs a decorating shop in downtown Wenzhou, the business is very good, and worked in Shanghai and other places to buy real estate. For business investment demand, Chen family has nearly 10 million yuan of bank loans, although the family income monthly loan interest is not difficult, but every year to debt Xudai, financial pressure is still not small. Recently, the Bank of Wenzhou launched a new 11 year personal mortgage business, Mr. Chen successfully handled the loan period of 120 months, the loan amount of 4 million 500 thousand yuan of personal mortgage business. This solves him every year to the dismantling of capital Xudai trouble. "To Xudai the need for temporary dismantling every year, the actual use of funds is less than a year, not only trouble and interest payments are. A loan is a good solution to my problem." Mr. Chen said. According to bank staff, the borrower will name their own real estate mortgage way to Wenzhou bank to apply for comprehensive credit, credit line can be recycled, loans borrowed. Compared with the traditional loan business, the product highlights the "application for simple procedures, characteristic of high number of mortgage, the long duration of the loan, his living, low interest costs", comprehensive advantages, both to meet the daily needs of capital turnover, but also can play the role of preparing emergency funds. In addition, the loan is not only for the Wenzhou area of real estate, its coverage is very broad, Wenzhou, Beijing, Shanghai, Guangzhou, Hangzhou, Ningbo, Taizhou, Quzhou, Lishui, Zhoushan commercial housing can handle. At the same time, flexible repayment methods, choose a monthly payment of interest, maturity matching service, matching the principal repayment amount, agreement etc.. The borrower sufficient funds, can also advance repaid loans, reduce financing costs.

温州银行“壹壹贷”创新个人抵押贷款温州银行近日推出了“壹壹贷”个人抵押贷款业务,贷款期限最长可达11年,这打破以往银行个人抵押贷款一至三年的惯例,也创新个别银行的个别抵押产品的十年期限。贷款金额方面,则最高可达1000万元。陈先生在温州市区经营一家装潢店,生意很不错,并先后在上海等地置办了房产。因经商投资需求,陈先生家庭有近千万元的银行贷款,虽然家庭收入每月还贷款利息并不困难,但每年到了还本续贷时,资金压力还是不小。最近,借助温州银行新推出11年期的个人抵押款业务后,陈先生成功办理贷款期限120个月、贷款金额450万元的个人抵押贷款业务。这解决了他年年都要拆解资金续贷的麻烦。“每年要续贷就需要临时拆解,实际使用资金往往不足一年,不但麻烦而且利息支出也大。壹壹贷很好的解决了我的问题。”陈先生说。据温州银行工作人员介绍,借款人将其名下的自有房产以抵押的方式向温州银行申请综合授信,授信额度可循环使用,贷款随借随还。相比传统贷款业务,该产品凸显“申请手续简、抵押成数高、贷款期限长、支取方式活、利息成本低”等特点,综合优势明显,既满足了日常资金的周转需要,又能起到资金急用之备的作用。此外,该项贷款不仅针对温州地区房产,其覆盖范围很广,温州、北京、上海、广州、杭州、宁波、台州、衢州、丽水、舟山的商品房均可办理。同时,还款方式灵活多样,可选择按月付息到期还本、等额本息、等额本金、约定金额还款等多种方式。借款人资金充足时,也可提前还清贷款,降低融资成本。相关的主题文章: