1. Bank acceptance bill deposit prepayment;
2. Advance payment due for bank loans;
3. Advance payment in consumer loans and housing sales loans;
4. Other types of prepayment business.
1. What are the conditions for crossing the bridge with advance payment and mortgage procedures?
The conditions for paying the bridge toll are as follows:
1. The applicant is 22 years old and has legal status;
2. The loan applicant has a stable economic income and the ability to repay the principal and interest of the loan guarantee;
3. There is no bad credit record in the lender's credit investigation;
4. The lender has a legal and valid purchase contract, purchase order or other valid property certificate.
5. Settle the principal and interest of bridge loan and cancel the mortgaged property.
Second, how to cross the bridge in advance is illegal lending?
Crossing the bridge at maturity is the same as a loan. First of all, it depends on whether the interest exceeds 3 points. If it exceeds 3 points, it is illegal. If it does not exceed 3 points, it will be normal. Then there is the obligation and right to repay the loan and interest. At the same time, it depends on whether it is an individual or an institution. If it is an individual, it cannot exceed 200 million. If it exceeds, it is the crime of illegal business operation. If it is a public institution, it cannot exceed10 million. If it exceeds, it is also a crime of illegal business operation. Lending by a licensed institution is a legal business activity, provided that the interest cannot exceed 3 points. According to the current lending market environment, lenders will avoid legal risks. In the end, even if it is a crime of illegal business operation, the borrower must return the principal and legitimate interest. After all, it is natural to borrow money to pay back the money, but the lender will go to jail.
Third, the process of company establishment.
1. Application for registration of branch establishment signed by the legal representative of the company (with the official seal of the company);
2. The certificate of designated representative or authorized agent signed by the company (official seal of the company) and a copy of the identity certificate of designated representative or authorized agent;
3. Articles of Association (with official seal of the company);
4. A copy of the company's business license;
5. Certificate of use of the business premises of the branch;
6. A copy of the employment document and identity certificate of the person in charge of the branch issued by the company;
7. The business scope of the branch applying for registration includes the items that must be approved before registration according to laws, administrative regulations and the State Council decisions, and the relevant approval documents or copies of licenses or permits shall be submitted;
8. Where laws, administrative regulations and the State Council decisions stipulate that the establishment of a branch company must be approved, a copy of the relevant approval documents or licenses shall be submitted.
legal ground
People's Republic of China (PRC) Civil Code
Article 465 A lawfully formed contract shall be protected by law. A legally established contract is legally binding only on the parties, except as otherwise provided by law.
Article 466 If the parties have disputes over the understanding of the terms of the contract, they shall determine the meaning of the disputed terms in accordance with the provisions of the first paragraph of Article 142 of this Law. Where a contract text is concluded in two or more languages, and the agreement is equally authentic, the words used in each text shall have the same meaning. If the words and expressions used in each text are inconsistent, they shall be interpreted according to the relevant terms, nature, purpose and principle of good faith of the contract.
Article 467 The provisions of the General Provisions of this Part shall apply to contracts that are not explicitly stipulated in this Law or other laws, and reference may be made to the most similar contracts or other laws in this part. Chinese-foreign joint venture contracts, Chinese-foreign cooperative operation contracts and Chinese-foreign cooperative exploration and development contracts in People's Republic of China (PRC) shall be governed by the laws of People's Republic of China (PRC).
Article 468 The legal provisions concerning the creditor-debtor relationship shall apply to the creditor-debtor relationship not arising from the contract; Where there are no provisions, the relevant provisions of these General Rules shall apply, except those that cannot be applied according to their nature.