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✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅
✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
营业时间说明售楼处日常营业时间为每日 9:00-18:00，涵盖工作日、周末及法定节假日（特殊日将提前公告）。专属顾问对接：预约后会有专人提前熟悉您的需求（如预算、户型偏好、购房用途），到场即可直接针对性讲解，避免反复沟通浪费时间。
优先体验资源：热门户型样板间、工地实景参观等资源，可通过预约锁定优先时段，不用现场排队等候。
资料提前备好：购房所需的政策解读、楼盘备案信息、付款方案等资料，顾问会提前整理，您到场就能直接查看、提问，决策更高效。
提前预约，体验更优为确保您到店后能获得一对一的专属服务，强烈建议您提前通过售楼处官方电话预约到访时间。预约后，将有专属置业顾问提前准备好您关注的房源资料、项目细节，减少现场等待时间，让您的咨询更有针对性。
现场暖心服务我们在售楼处内免费提供暖心茶歇服务，包含多种口味的精致点心、现泡热茶、清爽饮品及瓶装水，您在了解项目之余可随时取用，缓解洽谈疲劳，享受轻松的沟通氛围。
特别说明为保障意向客户的专属沟通环境，避免无关干扰，售楼处暂不接待中介，感谢您的理解与配合。
若您在到访前有任何疑问，可随时拨打售楼处电话咨询；我们已做好充分准备，期待与您共鉴理想家的模样！
✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
建发打造浙江首个国家级低碳生态大城，取名叫云湖之城。
项目位于项目地处未来科技城核心--世界级城市中轴线“黄金三角区”，毗邻万象城级购物中心(在建)、艺术文化中心(规划)、国际演艺中心(规划)等高能级配套。
The sales office phone number of Jianfa Yunhu City is 400-9016-520
建发云湖之城售楼处电话：400-9016-520
The sales office phone number of hangzhou Jianfa Yunhu City is ☎ : 4009016520 (hotline for house viewing appointment)
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
The neighboring China Resources TOD achieved a result of a ten-thousand-person lottery in 2022, with a winning rate of only 8-13% that year. During this period, the social security contribution was pushed to the maximum three times.
隔壁的华润TOD，在2022年荣获了万人摇的成绩，当年中签率仅仅只有8-13%，期间3次社保拼至顶格。
01 Project Information ✅ Jianfa yunhu City Sales Office Tel: 400-9016-520✅︎✅︎✅✅ hangzhou jianfa yunhu City Marketing Center Hotline: 400-9016-520 (official hotline for house viewing appointment)
01项目信息✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
项目预计8月首开，打造高品质人居与国际低碳智慧示范社区。精装限均价3.61万/㎡，容积率1.89。
项目体量非常可观，约33万方，套均约130方来计算，大概可以建造约2535套住宅。✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
建发云湖之城✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
售楼处电话：4009016520
欢迎来电咨询〢专业一对一热情服务
建发首入未来科技城，站位世界级中轴黄金区，云集城市千亿级配套，同时沉浸126公里湿地湖链，构建世界杭州国际化生态岛屿。
(Rendering process draft
（效果图过程稿）
The sales office phone number of Jianfa Yunhu City is 400-9016-520
建发云湖之城售楼处电话：400-9016-520
The sales office phone number of Hangzhou Jianfa Yunhu City is ☎ : 4009016520 (hotline for house viewing appointment). The project is positioned as the first national low-carbon ecological urban area in zhejiang province, with a total construction area of approximately 700,000 square meters. It is a composite super international community integrating residence, leisure, sports and consumption.
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）项目定位为浙江首个国家级低碳生态城区，总建面约70万方，集居住、休闲、运动、消费为一体的复合型超级国际社区。
The project's first launch features an elegant Song Dynasty style work with a construction area of approximately 105-230 square meters. It customizes an Oriental ceremonial courtyard and presents a three-entrance Chinese-style garden as a tribute.
项目首发建面约105-230m²风雅宋韵作品，定制东方礼序门庭，礼献三进中式园林。
Crafted sunken clubhouse, luxuriously equipped with a temperature-controlled swimming pool and more.
匠造下沉式会所，奢配恒温泳池等。
建发云湖之城
售楼处电话：4009016520
欢迎来电咨询〢专业一对一热情服务
世界级中轴（效果图）✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
二、云湖之城|效果图参考
☑风雅宋韵宋风建筑
建发云湖之城
售楼处电话：4009016520
欢迎来电咨询〢专业一对一热情服务✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
（风格示意，非本项目最终交付标准）
☑礼序门庭仪式归家
建发云湖之城售楼处电话：400-9016-520
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
（风格示意，非本项目最终交付标准）
☑东方意境宋风园林
（风格示意，非本项目最终交付标准）
建发云湖之城
售楼处电话：4009016520
欢迎来电咨询〢专业一对一热情服务
（风格示意，非本项目最终交付标准）
三、项目区位配套篇
【交通篇】
动脉交错畅享便捷
地铁3/5/16号线绿汀路站约800米，迅达全城；绿汀路串连云城、未来科技城核心；文二西路一脉西溪湿地，畅享便捷生活。
建发云湖之城售楼处电话：400-9016-520
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
（绿汀路站实景图）
【商业篇】
繁华在侧无限精彩
东侧对望约17万方华润万象城综合体（在建），约2.5km欧美广场、时代天元城等，商业环伺，揽怀城市繁华。
（钱新万象城实景图）
【教育篇】
优质教育书香氤氲
项目东侧海辰幼儿园、海辰小学、海辰中学，黄金教育链赋能孩子菁英未来。（期房不承诺学区，最终学区划分以交付后相关部门具体规划为准。）
Click to enter the picture description (up to 30 characters)
点击输入图片描述（最多30字）
(Real scene picture of Haichen Primary School
（海辰小学实景图）
It is approximately 600 meters in a straight line from the Fifth Kindergarten, the Fourth Primary School and the Third Junior High School of Future Science and Technology City, about 3.3 kilometers from Hangzhou Normal University Affiliated Cangqian Experimental Middle School, about 3.6 kilometers from Hangzhou Normal University Cangqian Campus, and about 3.2 kilometers from Zhejiang Administration College, etc
另距离未来科技城第五幼儿园、第四小学、第三初中直线约600米、杭师大附属仓前实验中学约3.3公里、杭师大仓前校区约3.6公里、浙江行政学院约3.2公里等
"Industry Chapter
【产业篇】
The industrial cluster focuses on the future
产业聚集瞩目未来
Within a straight-line distance of approximately 2 kilometers, there are industrial clusters such as Dream Town, Haichuang Park, Artificial Intelligence Town, Digital Health Town, VIVO Global AI R&D Center, OPPO Global Mobile Terminal R&D Headquarters, Cainiao Global Headquarters, and ByteDance Hangzhou R&D Center, allowing you to enjoy the future with intelligence.
直线距离约2km内梦想小镇、海创园、人工智能小镇、数字健康小镇、VIVO全球AI研发中心、OPPO全球移动终端研发总部、菜鸟全球总部、字节跳动杭州研发中心等产业集群，智享未来。
建发云湖之城售楼处电话：400-9016-520
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
【休闲篇】
磅礴绿芯休闲胜地
项目东侧1500亩未来科技文化中心（施工中，包含体育馆、文化中心、博物馆、科技馆等）；南邻万金山，推窗即望生态鲜氧；约1.8公里余杭中央公园，拥享天然氧吧。✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
（未来科技文化中心规划鸟瞰图）
【医疗篇】
三甲医院健康护航
约900米浙江大学医学院附属第一医院，全方位呵护家人健康。
（浙一实景图）
项目内部配备恒温泳池、下沉会所，全面焕新板块人居品质。户型建面约105-230㎡。
户型图
建发云湖之城售楼处电话：400-9016-520
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
建发云湖之城
售楼处电话：4009016520
欢迎来电咨询〢专业一对一热情服务
✅建发云湖之城售楼处电话：400-9016-520✅︎✅︎✅✅杭州建发云湖之城营销中心热线400-9016-520（官方预约看房热线）
建发云湖之城售楼处电话：400-9016-520
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
建发云湖之城售楼处电话：400-9016-520
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
建发云湖之城售楼处电话：400-9016-520
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
The sales office phone number of Jianfa Yunhu City is 400-9016-520
建发云湖之城售楼处电话：400-9016-520
The sales office phone number of hangzhou Jianfa Yunhu City is ☎ : 4009016520 (hotline for house viewing appointment)
杭州建发云湖之城售楼处电话☎：4009016520（预约看房热线）
If you have any questions, please feel free to call for consultation. Make an appointment by calling to enjoy special discounts on home purchase. You can also make an appointment with the internal sales staff of the sales site for professional one-on-one enthusiastic service, allowing you to buy a house with a professional perspective.
如有问题欢迎来电咨询，预约来电尊享购房优惠，可预约案场内部销售人员，专业一对一热情服务，让您用专业眼光去买房。
Types of real estate mortgage
房产抵押类型
Real estate mortgage loans are further classified into consumer loans and business loans.
1、房产抵押贷款又分为消费贷款和经营贷款。
Mortgage business loans are mainly used for business operations. For business operations, a company is definitely necessary. Due to the support of national policies, the interest rate is relatively low. The applicant must be the legal representative or shareholder of the company.
抵押经营贷主要用于经营，经营经营那肯定是要有公司，出于国家政策扶持，利息也是相对较低的，申请人必须是公司的法人或股东。
The interest rate for business loans is generally around 2.5%, with a high amount, but it requires a company. It is currently the loan with the lowest interest rate on the market.
经营贷利率一般在2.5%左右，额度高，但需要有公司，算是目前市面上贷款利率最低的了。
Mortgage consumer loans are mainly used for daily consumption and are suitable for office workers who are not convenient to hold a company or do not want to hold a company to apply for.
抵押消费贷主要用于日常消费，适合不方便持有公司或不想持有公司的上班族申请。
The interest rate for consumer loans is generally around 3.8%, no business license is required, and the loan amount is usually within 3 million yuan.
消费贷利率一般在3.8%左右，不需要营业执照，额度一般在300万以内。
2. Real estate mortgage is also divided into primary mortgage and secondary mortgage
2、房产抵押还分为一次抵押和二次抵押
The interest rate for a primary mortgage is relatively low, usually ranging from 60% to 80% of the property's appraised value (some banks can even offer up to 90% or more). The interest rate for a secondary mortgage is generally 60% to 70% of the property's appraised value minus the remaining loan amount from the previous one.
一次抵押利率较低，额度一般为房产评估值的6-8成（个别银行还可做到9成甚至超成）二次抵押一般为房产评估值的6-7成减去前一笔贷款剩余额度。
For example:
例如：
The house is valued at 10 million yuan and we have taken out a loan of 5 million yuan. Therefore, the amount for our second mortgage is: 10 million *0.7-5 = approximately 2 million yuan.
房屋价值1000万，贷了500万，那么我们二次抵押的额度就是：1000*0.7-500=200万左右。
Then what if there is already a loan on the house itself and one wants to enjoy a lower interest rate?
那如果在房子本身已经有一笔贷款的情况下，想要享受更低的利率怎么办？
At this point, we can settle the loan and apply for a mortgage again. The amount is no different from directly applying for a second mortgage, but our interest rate has actually come down.
这时候我们就可以结清贷款再次申请一次抵押，额度与直接办理二次抵押没什么区别，但我们的利率可是实打实的下来了。
However, during this process, the previous bank loan needs to be repaid. There may be advance payment fees involved in the process. The general standard charge is 16,000 yuan per day, and the entire process takes about 15 days.
但在此过程中需要还清前银行贷款，过程中可能会涉及到垫资费用，一般标准收费是万六一天，整个过程在15天左右。
ps: A mortgaged property must have been repaid for at least one month before a second mortgage can be applied for.
ps：按揭房至少需要还满1个月才能申请二次抵押。
Requirements for applying for a mortgage on real estate
房产抵押申请要求
Before applying for a loan, we need to know whether we meet the bank's loan processing conditions. In fact, it mainly depends on the borrower, the collateral and the company's conditions.
在申请贷款前我们需要知道自己符不符合银行办理贷款条件，其实主要就是看借款人、抵押物还有公司条件。
Borrower
借款人
The age of the applicant (that is, the person borrowing money) is generally between 18 and 65 years old. Some banks may extend the age limit to 70 years old (those who are too old have a high possibility of being rejected by the bank for a loan, or the loan term is not long enough).
1、申请人（也就是借钱的这个人）年龄一般在18~65周岁，部分银行可放宽至70周岁（年龄过大被银行拒贷的可能性很大，要不就是贷款期限不够长）。
Mortgage loans are not only available to property owners. Children themselves can also be the principal borrowers and use their parents' properties as collateral, thus not being subject to age restrictions.
抵押贷款并非只有产权人才能办理，子女自己也可以作为主贷人，拿父母的房产去抵押，这样就不受年龄限制。
If the parents must be the borrowers, the children need to be added as guarantors.
如果一定要父母作为借款人，则需要追加子女为担保人。
2. The age of the mortgagor (the person who owns a house) is generally between 18 and 80 years old. Of course, it would be even better if the borrower and the mortgagor are the same person.
2、抵押人（名下有房的这个人）年龄一般在18~80周岁，当然要是借款人和抵押人是同一人就更好了。
Most banks cannot accept people from sectors such as real estate, finance, banking, securities, and public servants as borrowers.
*房地产、金融、银行、证券、公职人员等人群大部分银行无法接受其作为借款人。
When banks review the conditions of borrowers, credit history is also a very important point:
银行在审核借款人条件的时候，征信也是非常重要的一点：
Banks mainly look at the overdue records, the number of inquiries, liabilities and other negative information in the credit report. Generally, they require that there be no consecutive three months of overdue records or a cumulative six months of overdue records in the past two years, and no more than four inquiries in the past three months and no more than six inquiries in the past six months. The asset-liability ratio should be controlled within 75% of the total property price. However, there are also a few banks that are relatively lenient about inquiries or the debt ratio.
银行主要看征信的逾期，查询次数，负债和其他负面信息，一般要求最近两年内没有连续三个月逾期、累计6个月逾期，最近三个月查询不超过4次，半年不超过6次，资产负债率控制在房产总价的75%以内，但也有个别银行对查询或负债率相对宽松，
If you have a lot of inquiries and high debt, you can look for special products.
查询多、负债高可寻找特殊产品。
If we want to know exactly how our credit status is, we can also check it ourselves. Personal inquiries do not count as the number of inquiries, but Xiaohui suggests that we should not check too much to avoid affecting the approval of big data.
我们要是想知道自己的征信情况具体如何，也可自行查询，个人查询不算查询次数，但小汇建议不宜查询过多，以免影响大数据审批。
The following are the channels for credit information inquiry:
以下是征信查询渠道：
(1) Offline channels
（一）线下渠道
Take your ID card to the People's Bank of China for inquiry.
1、携带本人身份证去人民银行查询；
2. Take your ID card to the designated cooperative bank branch of the People's Bank of China for inquiry.
2、携带本人身份证去人民银行指定合作银行网点查询；
3. Take your ID card to the bank to sign the credit inquiry authorization letter for the inquiry (generally not recommended). 4. Check at the counter or through the self-service inquiry machine
3、携带本人身份证去银行签署征信查询授权书进行查询（一般不建议）4、柜台，自助查询机查询
(2) Online channels
（二）线上渠道
1, the official website of the people's bank of log in the People's Bank of China credit reporting center website (https://ipcrs.pbccrc.org.cn/), an application for registration within 24 hours after received text messages can download personal credit report.
1、人民银行官网登录人民银行征信中心官网（https://ipcrs.pbccrc.org.cn/），注册申请后24小时内收到短信便可下载个人征信报告。
Specific steps are as follows: (1) open the People's Bank of China credit reporting center on the official website of personal credit information service platform (https://ipcrs.pbccrc.org.cn), click on the register.
具体步骤如下：①打开中国人民银行征信中心个人信用信息服务平台的官方网站(https://ipcrs.pbccrc.org.cn)点击注册。
2. Mobile Inquiry: Most banks support the inquiry of personal credit reports through mobile apps. Open the above-mentioned bank apps, fill in the relevant information, and you can usually get the credit report within a few hours.
2、手机查询多数银行都支持手机APP查询个人征信报告，打开以上银行APP，填写相关资料，一般几个小时后就可以拿到征信报告了。
Collateral
抵押物
The collateral is generally required to be within 30 years of age. Only a very few banks can apply for it if it is over 30 years old. The property rights of the house can be traded on the market. The area of the residential property should be greater than 50 square meters.
抵押物一般要求房龄在30年内，超过30年只有极少数银行可以申请，房屋的产权可以在市场上交易，住宅房产面积大于50平米。
There are quite a few types of properties available for loan on the market at present, including residential properties (up to 90% or even over 90%), villas, apartments, affordable housing, office buildings, factories, shops, and commercial buildings, etc.
目前市面上可贷的房产类型还是挺多的，有住宅（最高可做到9成，甚至超成）、别墅、公寓、经济适用房、办公楼、厂房、商铺、写字楼等。
Residential properties are the most favored by banks, with mortgage ratios ranging from 60% to 90%
①住宅最受银行欢迎，抵押成数可做到6-9成
The proportion of villas and apartments is between 50% and 70%
②别墅、公寓成数在5-7成
The proportion of affordable housing, office buildings, factories, shops, office buildings, etc. is between 50% and 60%
③经济适用房、办公楼、厂房、商铺、写字楼等成数在5-6成
Then what kind of houses cannot be mortgaged?
那什么样的房子无法办理抵押呢？
Houses without property certificates only have the right to live in them. Houses without property certificates cannot be mortgaged, such as some self-built houses in rural areas, pre-sale houses and small property rights houses, etc.
1、没有房产证的房子只有居住权没有房产证的房子不能进行抵押，像一些农村自建房、期房和小产权房等。
2. Houses with unclear property rights
2、产权不清晰的房子
3. Only a very small number of banks can handle property ownership certificates with the name of a minor on them.
3、房产证上有未成年的名字，只有极少部分银行可做。
4. Houses within the demolition area that are illegal constructions, cultural relic protection buildings, or those that have been lawfully sealed up, seized, under supervision, or subject to other forms of restrictions.
4、拆迁范围内的房子违章建筑，文物保护建筑，被依法查封、扣押、监管和其他形式限制的房屋。
Applying for a loan for houses that have been owned for less than six months and are over 30 years old is relatively more troublesome.
拿到房产证的时间小于6个月还有超过30年以上的老房子申请贷款相对麻烦一点。
Also, do you often hear the following terms? Now, Xiaohui will explain them to you in detail:
另外大家是不是还经常听到以下几个名词，下面小汇来为大家详细讲解一下：
Children's room: The property ownership certificate should have the name of a child under the age of 18 (only a few banks can do this, and it involves the removal of shares).
小孩房：房产证上有未满18周岁的小孩名字（极少数银行可做，涉及到去份额）
Elderly room: The property ownership certificate should have the name of an elderly person over 65 years old. (For those under 80 years old, there are still banks available for processing, but the number of banks to choose from is very limited.)
老人房：房产证上有65岁以上老人名字（80岁以内还是有银行可办理，可选银行极少。）
Affordable housing, talent housing, etc. : Generally, there are national shares that need to be redeemed and the restricted sale period has passed before a loan can be applied for.
经济适用房、人才房等：一般都有国家的份额需要赎回份额并且过了限售期才可申请贷款。
As mentioned earlier, only business loans require a company, while consumer loans do not. However, the maximum amount that can be applied for is 3 million yuan, and the interest rate is much higher than that of business mortgage loans. It is suitable for customers who are not convenient to establish a company.
公司就像前面说的，经营贷才需要公司，消费贷不需要公司，不过最高只能申请300万，并且利息远高于经营抵押贷款，适合不方便成立公司的客户。
Banks generally require that companies have been established for at least one year and have been held for 3 to 6 months. A small number of banks accept applications from newly registered companies.
银行一般要求公司需成立满一年，持有满3-6个月，少部分银行接受新注册公司来申请。
If you want to apply for an operating loan, it is best to start planning 3 to 6 months in advance to enjoy more favorable loan conditions.
如想申请经营贷，最好提前3-6个月开始规划，以便享受到更优惠的贷款条件。
Mortgage processing procedure
抵押办理流程
After carefully reviewing your own conditions, you can start choosing a suitable bank loan product. When choosing a product, we mainly look at the interest rate, loan amount, loan term and repayment method
贷前规划，匹配银行在审视好自己的条件之后，就可以开始选择适合的银行贷款产品了，在选择产品时我们主要看利率、额度、贷款期限以及还款方式
There are also some special products. For instance, some do not look at transaction records, some accept new property certificates or new companies, and some do not pay much attention to credit reports or have no restrictions on the age of the property. You can find a suitable product based on your own needs.
还有一些特殊产品，比如有些产品不看流水、有些接受新产证/新公司、有些轻看征信或不限房龄，可针对自己的需求寻找合适的产品。
If there are many inquiries, look for those that do not require inquiries. If the building is old, look for those that can handle the aging of the building.
还有查询多就找不看查询的，房龄老就找能做老房龄的。
At present, the annual interest rate for a primary mortgage loan on a business property is generally 2.4% to 3%, and for a secondary mortgage loan, it is generally 2.8% to 3.5%.
1、利率目前经营贷房产一次抵押贷款年利率一般为2.4%-3%，房产二次抵押贷款年利率一般为2.8%-3.5%。
The interest rate of consumer loans is generally around 3.8%. Compared with business loans, consumer loans are more suitable for office workers who are not convenient to hold a company or do not want to hold a company to apply for.
消费贷利率一般在3.8%左右，与经营贷相比，消费贷更适合不方便持有公司或不想持有公司的上班族申请。
2. The credit limit is generally 60% to 80% of the property's assessed value (some banks can reach 90% or even over 80%). It is relatively easier to get approved for properties under 10 million yuan, while applying for 30 million yuan is slightly more challenging.
2、额度一般为房产评估值60%-80%（个别银行可做到90%甚至超成），1000万以下比较好批，申请3000万稍有难度。
If the loan demand is under 1 million and you don't have a company under your name, you can consider applying for a mortgage consumer loan. If the loan demand is several million or even tens of millions, you can choose to apply for a mortgage business loan. If you don't have a company under your name, you can plan ahead.
如贷款需求在100万以下，名下也没有公司，可以考虑做抵押消费贷，如贷款需求在几百万甚至上千万，可以选择办理抵押经营贷，名下没有公司，可以提前规划起来。
3. There are more products with terms ranging from 3 to 10 years. Some banks can offer 20-year terms. The shorter the term, the lower the interest expense.
3、期限3-10年期限产品偏多，个别银行可以做20年，期限越短，利息支出越低。
4. Repayment methods: ① Interest first, then principal ② Equal principal and interest/Equal principal ③ Borrow and repay at any time ④ Balloon Loan
4、还款方式①先息后本②等额本息/等额本金③随借随还④气球贷
Interest first, principal later. In the early stage, only the interest rate needs to be repaid, and the repayment pressure in the early stage is relatively small. It is flexible to borrow and repay at any time. Borrowers can choose the most suitable loan product for themselves based on the above conditions.
先息后本前期只要还利率，前期还款压力比较小，随借随还灵活性强，借款人可根据以上条件选择最适合自己的贷款产品。
5. Other special requirements
5、其他特殊需求
Choosing a product is the most time-consuming step. You can visit the official websites of major banks to check the latest loan policies. If you want to save time, you can also find a loan assistance company, which saves both time and effort.
选择产品这一步是最费时间的，大家可以去各大银行官网查询最新贷款政策，要想省时间的话，也可以找助贷公司，省时省力。
Before applying for a loan, remember to maintain a good credit record. It is best not to have any overdue payments. The number of online loans and small loans should not be too many. If there are any, it is advisable to settle them in advance to avoid affecting the loan approval process.
在贷款申请前记得养好征信，最好不要有逾期，网贷、小贷笔数不宜过多，如果有，最好提前结清，以免影响贷款审批。
Submit materials
提交材料
When the interest rate limit and other conditions are all met, you can go to the bank to submit an application and hand in the materials.
在利率额度以及其他情况都满足的情况下，就可以去银行提交申请，交材料了。
The following is a list of materials that are applicable to most banks
以下是大多数银行都适用的材料清单：
Personal materials: ID card, household register, marriage certificate (divorce certificate and divorce agreement are required if divorced), personal financial statements for the past year, property ownership certificate, asset proof, etc
个人材料：身份证、户口本、结婚证（离婚的需要提供离婚证和离婚协议）、个人近一年的流水、房产证、资产证明等
Company materials: original and copy of business license, articles of association, upstream and downstream contracts, third-party entrusted payment contracts, third-party collection accounts. Company business license, basic account opening information, company transaction records, etc
公司材料：营业执照正副本、公司章程、上下游合同、第三方受托支付合同、三方收款账户公司的营业执照、开户基本信息、公司流水等
Bank approval
银行审批
After submitting the materials, the bank will start the approval process, mainly focusing on the borrower's personal information and the status of the collateral. If it is an operating loan, the company will also need to approve it.
提交好材料后，银行会开始审批，主要是对借款人个人情况以及抵押物情况进行审批，如是经营贷，公司也要审批。
Income is an important basis for measuring the source of a borrower's repayment. Generally, it is required that the borrower's income can cover this monthly payment by a single factor.
1、收入是衡量借款人还款来源的一个重要依据，一般要求借款人收入能够单倍覆盖本笔月供。
2. Banks usually require borrowers to provide their personal credit information.
2、银行一般都会要求借款人提供个人征信情况。
If there is a credit blemish on the credit report, in order to avoid its own risks, the bank will raise the loan interest rate and appropriately reduce the loan amount.
如果征信上有信用污点,银行为了规避自身风险,就会提高贷款利率，并且适当降低贷款额度。
3. The higher the appraised value of a property, the higher the loanable amount will be. The main factors affecting the value of a property include its location, the size of the house, surrounding facilities, and house decoration, etc.
3、房产评估值越高，可贷额度也越高，主要影响房产价值的有区域位置，房屋面积、周边设施、房屋装修等。
Companies generally require that the main body of the company has been established for more than half a year, mainly considering the company's cash flow, tax payment and income and expenditure situation.
公司一般要求公司主体成立半年以上，主要看公司流水、纳税以及收支情况。
Many people are worried that they don't have an actual business location, but the bank needs to visit the account to check the business location. What should be done in this case?
很多人担心自己没有实际的经营场所，但银行需要下户查看经营场所，这时候该怎么办？
In fact, it's very simple. Just find an office and ask the bank to take a photo. Everyone doesn't need to worry too much.
其实很简单，找个办公室让银行拍个照就好了，大家不用太过担心。
After the bank's approval, the corresponding loan interest rate and amount, loan term and repayment method will be issued.
银行审批通过之后，就会出对应的贷款利率与金额、贷款期限还有还款方式了。
After the bank approves the contract signing and you are satisfied with both the interest rate and the loan amount, you can go to the bank to sign the contract. The time from application to disbursement varies depending on the bank, generally ranging from 7 to 20 working days.
签订合同银行审批通过之后，在利率额度都满意的情况下，就可以去银行签订合同了，申请到放款的时间根据银行不同，一般的周期为7~20工作日左右，
A single signing usually takes about one hour. If you need to open a business account, it is expected to take about two hours. After signing the contract, you can proceed with the mortgage registration.
单次签约一般为1小时左右，如需开企业户预计需要2小时左右，签好合同，就可以办理抵押登记了。
If you are married, your spouse also needs to show up. Remember to coordinate the time with your spouse!!
如果是已婚，配偶也需要出面，记得和配偶协调好时间哦！！
To handle mortgage registration and bank disbursement, one usually needs to visit the bank and the real estate transaction center a total of 1 to 3 times. The situation varies from bank to bank. Some banks allow online mortgage without the need to go to the real estate transaction center.
办理抵押登记、银行放款去房产交易中信办理抵押登记，一般需要到银行及房产交易中心合计1-3次，每家银行情况不同，部分银行可线上抵押无需到房产交易中心办理。
After doing all these, just wait for the bank to disburse the loan. The borrower shall repay the principal and interest on time as stipulated in the contract.
做好这些之后，就等银行放款了，借款人按照合同约定，按时偿还本息。
Frequently Asked Questions and answers
常见问题答疑
Among them, someone else asked, then what kind of people are suitable for applying for a mortgage loan on real estate?
1、其中又有人问，那什么样的人群适合办理房产抵押贷呢？
Am I suitable?
我适合吗？
In fact, the people who apply for property mortgage mainly fall into the following categories:
其实办理房产抵押的人群主要分为以下几种：
① Business owners and individual business operators: It is used for the daily production and operation of the company. The interest rate is low and the credit limit is high. It is still very cost-effective to apply for.
①企业主、个体工商户：用于公司的日常生产和经营，利率低，额度高，办理起来还是非常划算的。
② Refinancing: For customers with mortgage interest rates of 4% or even 5% in the early years, replacing high-interest products can save a considerable amount of money each year. At the current interest rate, at least 1% can be saved each year. Calculated at 5 million, it would be 50,000 in one year and 500,000 in ten years.
②转贷：早些年按揭利率4%甚至5%的客群，置换掉高息产品，每年可节省不少资金，以现有利率来说，每年至少节省1个点，以500万计算，1年就是5万，10年就是50万。
③ In urgent need of money and unable to sell the house for the time being: The application time for a mortgage loan is approximately 7 to 20 working days, while selling the house often takes several months.
③急于用钱，一时难以卖房：抵押贷款申请时间大概在7-20个工作日，而卖房往往需要几个月之久。
④ For customers with a large amount of credit, small loans and online loans: Replace the existing debts with high interest rates, multiple small amounts, short terms, low amounts and high monthly repayments with a single mortgage loan to reduce interest, increase cash flow and alleviate the monthly payment pressure.
④信贷、小贷网贷多的客户：把已有的高息、多笔小额、年限短、额度低、月还款高的债务置换为一笔房抵贷款，以此减少利息，提高现金流，减轻月供压力。
⑤ Buy a house in full and then mortgage it: By purchasing a property in full and then applying for a mortgage loan, you can save on the cost of buying a house.
⑤全款买房再抵押：通过全款购入房产，再做抵押贷，节省购房成本。
⑥ Customers with credit record flaws: Due to the support of collateral, the risk of lending institutions is relatively low, and thus they are relatively friendly to people with slightly flawed credit records.
⑥征信有瑕疵的客户：由于抵押物的加持，贷款机构的风险相对较低，因此对于征信记录稍有瑕疵的人群相对友好。
For instance, if someone likes to randomly click on loan applications or credit card applications, causing their credit record to be compromised and their application for a credit loan to fail, they can consider a mortgage loan.
比如有人喜欢乱点贷款申请或者信用卡申请，导致征信花了，申请信用贷无法通过，此时可以考虑房抵贷。
⑦ Increase a large amount of working capital. If you don't have much cash on hand, you can obtain a sum of cash that can be used at any time by applying for a mortgage on your property, which can relieve your financial pressure and avoid the embarrassment of borrowing money from relatives and friends.
⑦增加一笔大额流动资金手头资金不多，可以通过办理房产抵押得到一笔随时可支用的现金，缓解资金压力，避免找亲朋好友借钱的尴尬。
What is third-party collection?
第三方收款是什么？
Is it safe?
安全吗？
This is also a question that many friends have asked: Is third-party payment really safe?
这也是很多朋友咨询的问题，第三方收款到底安全吗？
What should I do if the third party doesn't pay the money after receiving the payment?
要是第三方收款后不给钱怎么办？
How can the safety of funds be guaranteed?
怎么保证资金的安全呢？
When a borrower submits an application for a mortgage business loan to a bank, inquiring about the purpose of the loan is also a necessary process for loan review.
在借款人向银行提交抵押经营贷款申请时，询问贷款用途也是审核贷款的必要流程。
If the borrower uses the mortgage loan applied for to purchase raw materials needed for the company's production, they must find a good supplier of raw materials and sign a purchase and sale contract before applying for the loan.
1、假如借款人用申请的抵押贷款用于购买公司生产所需要的原材料，在申请贷款之前，就必须要找好原材料的供应商，并且要签好购销合同。
The borrower needs to hold the purchase and sale contract and apply for a loan from the bank in the name of purchase. After the bank approves the loan, the bank will directly transfer the loan to the corresponding account of the supplier.
借款人需要拿着购销合同，以采购的名义向银行申请贷款，在银行贷款审批通过之后，银行就会直接将贷款打到供应商所对应的账户。
2. To ensure that the funds are used for their designated purposes and to prevent them from flowing into prohibited industries, banks require borrowers to provide purchase and sale contracts. After approval, the funds will be transferred to the borrower's personal or company account. At this point, we can ask a friend who does business to collect this sum of money.
2、银行为了保证资金专款专用，避免流入禁止行业，所以要求借款人必须要提供购销合同，审批通过后，会把资金打入借款人的个人或公司账户，这时候我们可以找做生意的朋友来收这笔款。
Also, please note that the two companies cannot be related. They cannot be the companies of relatives. The other company will receive the money and then transfer it to your card. Be careful not to immediately transfer the money to the real estate market, stock market, finance and other venues after the application is approved. Once it is found out, you will face the risk of loan withdrawal.
另外注意，双方公司不能有关联，不可以是亲戚的公司，对方公司收到钱，再将钱转给到你的卡上，注意，刚申请下来切记不要立马流入楼市、股市、金融等场地，一旦被查到，就会面临抽贷风险。
Someone else asked, "Where can one apply for a mortgage loan on real estate?"
又有人问，办理房产抵押贷款可以去哪里办？
The main loan channels include banks, financial institutions and private lending.
贷款渠道主要有银行、金融机构和民间借贷。
①银行（利率最低，2.4%-5%之间）
各大商业银行提供房屋抵押贷款产品。银行的审批程序相对较为严格，但通常提供的利率是各种机构中最低的，而且贷款期限长，正规靠谱，银行也分为国有银行、商业银行和地方性银行。
②金融机构（6%-18%左右）
除了银行外，市场上还有许多金融机构提供房产抵押贷款服务。这些机构包括典当行、信托公司、信保公司、小额贷款公司等。
它们的审批流程可能相对灵活，但利率和条件可能有所不同。对征信要求宽松，只要还款来源明确，基本就能批贷，放款速度也比较快，尤其是对于一些贷款人资质不是很好的情况，例如：征信不好、流水不够等等，可以考虑在金融机构做抵押贷款。
③个人（利率较高，10%-24%左右）
除了可以抵押给银行和机构，第三种方式就是直接抵押给个人。
相对来说比金融机构流程更简单，放款更快，效率高，不看征信不看流水，要求相当宽松，只要抵押物有价值就行，但贷款期限较短，通常只有一个月到六个月。
声明：本文由入驻焦点开放平台的作者撰写，除焦点官方账号外，观点仅代表作者本人，不代表焦点立场。
