(1) Have permanent residence or valid residence status in cities and towns (refer to the official residence in cities and towns in six districts, development zones and bonded zones).
(2) Having a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;
(three) there is a purchase contract or agreement;
(4) Open a savings account (or pay the housing provident fund deposit) in a loan bank, and the deposit balance accounts for not less than 30% of the amount required for house purchase as the down payment for house purchase;
5] The guarantee company agrees to be the guarantor of the borrower's repayment of the principal and interest of the loan and bear joint and several liabilities, with the assets recognized by the guarantee company as collateral.
Extended data:
A guarantee company guarantees the borrower's credit. When the borrower fails to repay the loan within the time limit, the guarantee company will repay the loan as scheduled. Guarantee companies mainly provide personal consumption loan guarantee, personal business loan guarantee, automobile consumption credit guarantee, and economic contract guarantee services such as SME loans and financial leasing. When banks allocate funds to borrowers, in order to reduce their own risks, they generally require borrowers to find a third party, that is, a guarantee company or other individuals to guarantee them. Guarantee companies mainly include financing guarantees such as loans and project financing and non-financing guarantees such as litigation preservation guarantees and project performance guarantees.
Providing loans, financial leasing and other economic contracts for small and medium-sized enterprises; Personal consumption loan guarantee, personal commercial loan guarantee, automobile consumption credit guarantee, project investment, financing management, etc.
1. Application: The enterprise applies for loan guarantee.
2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.
4. Guarantee: Sign legal procedures such as guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises.
5. Lending: The bank issues loans to enterprises on the basis of reviewing the guarantees, and at the same time collects guarantee fees from enterprises.
6. Tracking: tracking the loan usage and operation of enterprises, and directly tracking and checking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can be prepared to repay the loan in advance and ensure the normal operation of the enterprise's capital flow.
8. Dissolution: cancellation of mortgage registration, cancellation of guarantee relationship with banks and enterprises with corporate bank repayment form.
9. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, and provide credit records for subsequent guarantees.
10. Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after repayment of loans and vouchers for cancellation of guarantee, etc., are sorted, filed and sealed for future file search.