1. loan purpose: the loan purpose shall comply with relevant national laws, regulations and provisions, and shall not be used for stock investment, equity investment, real estate investment or other high-risk investment projects;
2. Loan term: The loan term shall comply with the relevant laws, regulations and provisions of the state, generally not exceeding 5 years;
3. Repayment ability: The borrowing enterprise should have good repayment ability, and its financial statements should conform to the relevant national accounting standards, with strong financial strength and liquidity;
4. Collateral: The borrowing enterprise should provide effective collateral, and the value of collateral should be enough to cover the loan principal and interest;
5. Credit rating: the borrowing enterprise should have a good credit rating, and its credit rating should be higher than the bank's loan requirements;
6. Examination materials: The borrowing enterprise shall provide accurate and complete examination materials, including but not limited to business license, identification certificate of legal representative, financial statements, etc.
7. Compliance: The borrowing enterprise shall abide by relevant national laws, regulations and provisions, and its business activities shall be legal and compliant;
8. Risk control: The loan policy shall comply with the relevant regulations of China Banking Regulatory Commission, fully control the loan risk, and ensure safety and reliability.
2. What is the maximum amount of mortgage loan of Huaxia Bank?
Generally, the highest evaluation value can reach 70%.
Process of handling real estate mortgage loan:
1. The borrower opens a current deposit account in the bank;
2. Information required for preparing the loan;
3. Go to the designated institution of the bank to evaluate the real estate;
4. In front of the bank;
5. Bank filing and approval;
6. Approve the next batch of loan letters;
7. Go to the local construction committee for mortgage registration, and the construction committee will issue his right certificate;
8. About the number of branches;
9. Bank loans;
10. Post-lending review of banks;
1 1. The borrower repays the principal and interest.
Third, I want to apply to Huaxia Bank for a commercial loan to buy a house, and the real estate license is mortgaged there. Will there be a risk of bank failure and will the real estate license be refunded?
Hello! Banks that can handle related mortgage business are basically not prone to problems, even if there are problems, there are related guarantee units.
Bankruptcy, and there is no relevant regulatory unit, then it must not be chaotic.
4. Will Huaxia Credit Card be automatically controlled?
It doesn't have to be like this. The specific analysis is as follows:
Credit card risk control should understand the reasons for being controlled by the wind. Most credit cards are suspected of false transactions by banks, and there are risks in using them, or users fail to repay on time and are overdue. These situations will not be lifted by themselves.
In general, unless there is a risk of automatic release by the wind, the card cannot be released automatically.