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Second-hand property mortgage

Second-hand property mortgage refers to a loan method in which a home buyer pays a down payment of no less than 30% of the total house price to the property owner when purchasing a property that he/she has full disposal rights over, and then borrows money from a bank using the purchased property as collateral to pay the remaining part of the purchase price. The home buyer also repays the principal and interest to the loan bank on schedule every month.

Personal business loan

A personal business loan refers to a loan method in which the borrower applies for a loan from a lending institution using his or her own physical assets as collateral to use for production, operation, and investment in his or her own business, and repays the principal and interest to the lending bank on schedule every month.

Mortgage loan transfer

Transfer mortgage loan means that after the seller has applied for a mortgage loan from the bank but has not paid off the outstanding balance, he asks the bank to sell the mortgaged property to the buyer, and the buyer applies for a new home purchase loan from the bank, which is guaranteed by our company. After the transaction and mortgage registration are successfully completed, the new loan is used to repay the seller's remaining outstanding balance. The buyer repays the principal and interest to the loan bank on schedule every month.

Personal consumption loans

Personal consumer loans are loans that are obtained from banks using fully owned properties as collateral. The loan must be used for consumer purposes specified by the lending bank, such as car purchases, house renovations, business operations, etc., and the repayments must be made on schedule according to the repayment plan agreed with the bank in advance. Different banks have different loan terms.