Loan process
1. Application: The customer goes to the guarantee company entrusted by the bank to apply for mortgage, including submitting personal data, paying various fees and filling out legal documents;
2. Payment review: the guarantee company conducts a preliminary review of the customer's application, and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;
3. Face-to-face signing at the bank: After the bank has passed the preliminary examination, the guarantee company informs the customer to face-to-face signing at the bank and formally signs the loan application.
4. Loan issuance: after the approval of the bank, the two parties sign a loan contract, transfer the loan amount to the customer's account, and notify the customer to repay the loan on time.
Solemnly promise: all businesses accepted by the company are free in the early stage, and there is no charge for failure!
housing mortgage loan
Apply for a loan from a bank with one's own or other people's property as collateral, and the use is unlimited.
1. Loan term and proportion: 1 year-10/year. The maximum loan amount is 70% of the appraised house price.
2. Borrower's requirements: 22-60 years old, natural person or legal person with ID card. Have the ability to stabilize employment and income and repay loan principal and interest on schedule. Be able to use real estate in their own or others' names as collateral.
3. Conditions for mortgaged houses: commercial houses, public houses, villas, bottom businesses and office buildings with property rights. Complete procedures, able to handle mortgage registration procedures and listing and circulation.
4. Materials to be provided by the borrower: original property certificate, ID card, household registration book, marriage certificate (if single person provides single certificate, married person needs both husband and wife's ID card, household registration book and marriage certificate), income certificate (stamped with official seal) and loan related materials. The original purchase agreement must be provided for the purchased public houses. The central delivery room needs to provide listing confirmation.
5. Bank interest rate and repayment method: The bank interest rate shall be subject to the commercial loan interest rate stipulated by the People's Bank of China for the same period. If the loan term is less than two years, you can choose to repay the principal and interest on a monthly or quarterly basis, and repay the principal in one lump sum at maturity; If the loan term is more than two years, you can choose to repay the principal and interest on a monthly basis.
Contact person: 15 1336 Mr. Shi 13822