Now the house price is so precious that most families will consider the way of loan. If they borrow money to buy a house, they should apply according to the requirements of the loan company, and the approval will take some time. We can get a preliminary understanding of the loan process of the loan company before lending, in case of emergency.
First, prepare loan information.
The applicant fills in the application for residential housing mortgage and submits the certification materials: the borrower's fixed income certificate issued by the unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses.
Second, the audit data
The loan company examines the borrower's loan application, house purchase contract, agreement and other related materials one by one.
Three, the applicant will mortgage property certificates or securities to the loan company for safekeeping.
4. The guarantors of both parties sign the Housing Mortgage Loan Contract and notarize it.
5. After the loan contract is signed and notarized, the deposit and loan of the loan company to the applicant will be transferred to the house selling unit or building unit specified in the house purchase contract or agreement.
Intransitive verb loan settlement
Loan settlement can be divided into normal settlement and early settlement.
1. Normal settlement: the loan is settled on the maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
2. Early settlement: Before the loan expires, the borrower wants to settle the loan, and must apply to the bank in advance according to the loan contract. After the bank has passed the examination, it will go to the designated accounting counter for repayment.
After the loan is settled, the borrower will get it back with his valid identity certificate and the loan settlement certificate issued by the loan company. The legal documents and relevant supporting documents shall be kept by the loan company on its behalf, and the mortgage registration and cancellation procedures shall be handled at the original mortgage registration department with the loan settlement certificate.
Conclusion: the loan process of the loan company is introduced here for everyone, hoping to help everyone.
What is the whole process of enterprise loan?
What is the whole process of enterprise loan? How to handle enterprise loans? Let's take a look together.
1. What are the application conditions for enterprise loans?
1. An enterprise must first obtain a business license approved by the industrial and commercial department.
2. Enterprises need to be able to independently engage in production, commodity circulation or other activities, and at the same time be able to independently account for economic income and be responsible for their own profits and losses.
3, enterprises must have independent operating funds and financial plans, accounting statements, can rely on their own income to make up for expenses, and have an independent foreign purchase and sale contract.
4. The enterprise must have certain self-owned funds and need to open an independent account in the bank; The products we handle need to have a certain market.
2. What materials do enterprises need to prepare to apply for corporate loans?
1. Enterprises applying for enterprise loans need to provide business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.
2. When applying for corporate loans, enterprises need to provide annual reports for the last three years, financial statements for the last three months and corporate bills for the last six months.
3. When applying for enterprise loans, enterprises need to provide business premises lease contracts, proof of rent payment, and water and electricity charges for the past three months.
4. When applying for enterprise loans, enterprises need to provide all kinds of tax forms and signed purchase and sale contracts (if any) in the past six months.
5. Enterprises applying for enterprise loans need to provide proof of assets under the name of the enterprise.
3. What is the process for enterprises to apply for corporate loans?
1. Enterprises need to apply for loans from banks and provide relevant materials.
2. After the enterprise obtains the loan qualification, it needs to sign loan contracts and guarantee contracts with banks and guarantors.
3. After completing the loan procedures, the enterprise still has to go through the loan procedures according to the procedures. After all the formalities are completed, the bank will transfer the enterprise loan to the account opened by the enterprise.
4. After the enterprise gets the enterprise loan, it needs to allocate the enterprise loan according to the contract funds, and at the same time, it needs to repay the loan principal and interest on time.
Loan fast track:
If you need a loan, please click on the online loan fast track to apply for a loan.
How do enterprises borrow money?
Enterprises can borrow money from banks according to the following steps:
1. Submit a loan application to the bank and complete loan information;
2. Banks accept loans and approve loans;
3. After approval, both parties sign a loan contract, guarantee the original contract and go through the mortgage formalities;
4. After all the procedures are completed, the bank will issue loans;
5. The borrowing enterprise shall repay the loan in full and on time as stipulated in the contract.
Extended data:
Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation.
Enterprise loan conditions:
1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;
2. The enterprise has a good reputation in various commercial banks and has no bad credit record;
3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;
4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;
5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;
6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;
7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;
8, in line with the establishment of small business related industry credit policy;
9. Abide by national financial regulations and policies and relevant bank regulations;
10. Open a basic settlement account or a general settlement account with the applicant bank.