1. According to the signed contract, the mortgage term is three years. If you want to renew the loan, you need to decompress it first, and then go through the mortgage registration again.
2. In the signed contract, the mortgage period indicated is more than three years. If you want to renew the loan, you don't need to apply for mortgage registration again.
In the first case, the mortgagor needs to bring his ID card and real estate license to the site for mortgage registration. In the second case, the mortgagor does not need to go to the site for mortgage registration as in the previous year, but the local rural commercial bank decides whether to go to the bank for relevant procedures.
Extended data
Enterprise renewal center
"The purpose of the loan renewal center is to open the front door for corporate financing, realize' visible' and' comparable' financial services, effectively solve the problems of' crossing the bridge' and' lending', and at the same time promote the further reduction of corporate financing costs, avoid moral hazard of grassroots loan officers, and improve the efficiency of credit approval."
The relevant person in charge of Haidian District said that the loan renewal center sent a special person to accept the application for the national standard small and micro enterprises' loan renewal business, adopted a standardized operation mode, and had unified standardized specifications for application materials, business processes and approval time limits.
Relevant government departments will provide preferential policies, and supervision institutions will give the loan audit results on schedule. The entrusted bureaus such as Haidian District Financial Office and Real Estate Registration Center have established green channels for the business of renewal centers within their jurisdiction, providing inquiry services and policy support.
References:
China Economic Net-Small and micro enterprises have a "loan renewal center" for the first time, which will be completed within 10 working day.