What are the procedures and conditions of company mortgage loan?
What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.
For example, when an enterprise applies for a credit loan, it can directly bring its business license, organization code certificate, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the business outlets of banks (lending institutions) to find staff to handle it.
After filling out the application form, submit it to the staff together with the materials, and then wait for the audit results. When the audit results come out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the bank (lending institution) will lend money.
The conditions of banks (lending institutions) in enterprise credit loans generally focus on whether the enterprise's credit rating is up to standard, whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.
To apply for a mortgage loan, in addition to applying to the business outlets and signing a contract, you also need to go through the mortgage registration procedures. Moreover, the materials prepared must also have relevant documents of collateral. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.
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What is the process of corporate bank mortgage loan?
① The borrower applies and submits relevant materials;
② Real estate appraisal, pre-loan investigation and approval;
(3) After approval, go through the mortgage registration formalities;
(4) When granting loans, the borrower shall repay the loan principal and interest on a regular basis as agreed in the contract;
5. Settle the loan principal and interest, and handle the mortgage cancellation procedures of the mortgaged house.
According to Article 209 of the Civil Code: "The establishment, alteration, transfer and extinction of the real right of immovable property shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. The ownership of natural resources owned by the state according to law may not be registered. " Therefore, the company set a mortgage on the property, which was established at the time of registration.
What is the process of handling mortgage loans?
First of all, the required process
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time. It should be noted here that, in addition to applying for rural loans, other types of loans must provide relevant information. It mainly includes: the basic information of the borrower and the guarantor; Correct the original unreasonable loan; List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee; Other relevant information, etc.
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and the bank evaluates the applicant's credit rating. Handle relevant notarization and mortgage registration procedures as appropriate.
3. issue loans. After obtaining the mortgage certificate, if the loan is approved by the bank, after all the formalities are completed, the bank will directly transfer it to the borrower's transaction object or distribute it to the borrower in the form of transfer according to the contract, and the borrower will pay it to its transaction object.
4. Post-loan inspection. Follow-up investigation and inspection of the borrower's execution of the loan contract and operation.
5. Repay on schedule. The borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract; Within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date. If the loan is to be postponed, it should be before the loan maturity date. The borrower needs to apply to the bank for loan extension, and the bank decides whether to extend the loan.
6. loan settlement. Loan settlement includes normal settlement and early settlement:
(1) Normal settlement: repay the principal and interest in one lump sum or settle the last loan on the loan maturity date;
(2) Early settlement: Before the loan expires, if the borrower partially or completely settles the loan, it must apply to the bank in advance according to the loan contract, and the bank will repay the loan at the designated accounting counter after approval.
After the loan is settled, the borrower will retrieve the legal documents and relevant supporting documents extracted by the bank with his valid identity certificate and the loan settlement certificate issued by the bank, and go through the mortgage registration cancellation formalities with the original mortgage registration department with the loan settlement certificate.
Second, the required materials:
1. Identity cards of the applicant and his/her spouse.
2, the applicant and spouse's household registration book
3. The applicant's marriage certificate includes the marriage certificate or unmarried certificate issued by the Civil Affairs Bureau.
4, the applicant's income certificate
5. If the applicant has other bank loans, it is also required to provide the original loan contract and the latest bank statement.
6. Other family property certificates, such as other real estate licenses, stocks, funds, cash passbook, vehicle driving license, etc.
Extended data:
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.