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Vay thế chấp là gì? Điều kiện vay thế chấp như thế nào?

Khi gặp khó khăn về tài chính phần lớn mọi người đều lựa chọn hình thức vay thế chấp. Có rất nhiều tài sản giá trị khác nhau có thể được sử dụng để bảo đảm cho khoản vay. Để hiểu rõ hơn về hình thức cho vay này hãy cùng tham khảo bài viết sau!

1. Vay thế chấp là gì?
Đây là một hình thức cho vay được nhiều ngân hàng và công ty tín dụng triển khai cung cấp. Theo đó, khi vay tiền, người vay phải cung cấp tài sản có giá trị để thế chấp nhằm mục đích bảo đảm cho khoản vay của mình.

4. Điều kiện để vay thế chấp ngân hàng là gì?
Để có thể được xét duyệt cho vay tiền thế chấp ngân hàng thì anh/chị cần phải đáp ứng được các điều kiện sau:

4.1. Điều kiện về đối tượng được vay
Là công dân nước Việt Nam

Có CMND/thẻ CCCD hoặc hộ chiếu vẫn đang còn hiệu lực sử dụng

Có sổ hộ khẩu thường trú/tạm trú hoặc xác nhận tạm trú

Nằm trong độ tuổi từ 22 - 65 tuổi (nam) và 22 - 60 tuổi (nữ)

Không thuộc các đối tượng nằm trong danh sách đen như rửa tiền, khủng bố,...

Không có lịch sử nợ xấu hoặc nằm trong nhóm nợ xấu CIC

Để xem thêm thông tin chi tiết về bài viết, mời bạn xem tại link: https://sites.google.com/view/dongvon/vay-the-chap
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