What is the reason for the abnormal system when ABC mobile banking handles housing mortgage loans? There are many reasons, maybe your information is inaccurate, or maybe your information is not recorded well.
What mortgage platform is there online?
Micro-loan network APP. Apart from Bank of Communications and Bank of China, there are few real estate mortgage loans. Most other banks can provide mortgage loans, such as China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank, Chongqing Rural Commercial Bank and China Postal Savings Bank. However, major banks have different requirements on the conditions, execution interest rate and loan life of real estate mortgage loans, so they should consider their own suitable loan varieties and repayment pressure when choosing loans. Mao Sen Guarantee is an institution that cooperates directly with banks.
1. Microfinance Network
Micro-loan online was launched in July of 20 1 1, and it is one of the earliest online lending platforms in China. At first, the platform model was similar to auction loan (pure online credit loan), and later it turned to chattel mortgage loan, and expanded the service network by joining offline. Last year, the micro-loan network launched the "Five-year Hundred Stores" plan, and strived to open 100 offline outlets nationwide by 20 17. At present, this goal has been achieved by about 30%.
2. Good car loan Car loan is an investment and financing financial service platform that provides mortgage, pledge loan and car loan financing services for car owners. The online platform was established on 20 14. Although it belongs to a young platform, the professional strength of good car loans cannot be underestimated. 20 15 is invested by Shenzhen qianhai zhongdaxin asset management co., ltd.10 million USD, which is one of the top 100 brands of internet finance. At present, the main products are good car loans, financial links, bank-enterprise links, rental treasures and so on. The investment amount of good car loan project is very small, which is very suitable for small and medium investors.
3. Worry-free car loan Worry-free car loan is an innovative Internet car finance platform independently developed and operated on the basis of worry-free original car loan business in the future. Relying on the model of "Internet financial car", we are committed to building a standardized, safe, transparent and honest Internet financial information intermediary service platform, providing investors with low-risk and high-return investment products and creating value for every penny; Provide low-cost and efficient financing services for those who need funds, so that microfinance is no longer difficult.
What are the platforms in automobile mortgage?
1.58 car loan APP: 58 car loan APP is a P2P lending platform in automobile mortgage. 58 Car loan adopts cautious and professional evaluation method, unique comprehensive credit evaluation system and powerful risk control means, and the accumulated loan amount exceeds 50 million yuan to maintain zero non-performing rate.
2. Car second loan APP: Car second loan APP is a car loan APP launched by Ali. The car second loan APP allows car buyers to submit loan applications online on their mobile phones, and the credit line of the loan can be known within half an hour.
3. the first car loan APP: car loan number. 1 is an auto loan APP developed by Shanghai Fengzhixing Auto Finance Co., Ltd., which is aimed at users with loan needs who obtain credit from their company and provide intermediary services. Investors can invest through the mobile phone client and enjoy the fun brought by investment and financial management anytime and anywhere.
4. Bee Easy Car Loan APP: Bee Easy Car Loan is the leading p2p lending platform in China, providing users with fast and high-quality financial services and helping quality life. The loan is fast, saves money and effort, and is privately customized, safe and reliable.
5. Yixin car loan APP: Yixin car loan mainly provides new car loans, used car loans, car owner loans, car rental, auto insurance and other products and services. In addition to cooperating with many financial institutions, it also has CreditEase's self-operated business, providing a wealth of auto finance products and services.
6. Cheyi Loan APP: Cheyi Loan focuses on auto loans. For investors, car loan business is a safe lending business, which has the characteristics of small amount, dispersion, mortgage and quick realization. Through a mature business model and a perfect market,
Lending process of online merchant bank
If the online merchant loan has a house loan, it means that the user does not meet the application conditions for online merchant loan at present, so the system provides the user with a house loan. If you need to apply, you must first have unsecured real estate, the borrower 18 years old or above, and have full civil capacity; Have a fixed residence, a stable source of economic income, the ability to repay the principal and interest of loans and good credit.
Eligible users can log on to Alipay online business loan, enter the entrance of housing mortgage loan application, apply and approve. If approved, the system will comprehensively determine the loan amount granted to the user according to the value of the house mortgaged by the user, the mortgage rate and the user's solvency. After both parties sign the contract and complete the formalities, the system will release the money.
What materials do online merchants need to borrow from banks?
First, online merchants need to provide personal identity cards, household registration books, marriage certificates and other identity materials when lending to banks.
Online banking has launched the real estate mortgage loan business. Users can apply for housing mortgage loan online, and they can initiate the application when they have prepared relevant materials.
To apply for housing mortgage loan, you need to provide personal ID card, household registration book, marriage certificate and other materials. These materials are the most basic materials for individuals, and every user needs to provide these materials. After the bank provides personal identification materials, it can ensure that the borrower and the actual applicant are the same person and avoid fraudulent loans.
Second, online merchants need to provide personal immovable property certificates when lending to banks.
When users apply for mortgage loans, the most important thing is to use real estate as collateral, so users must provide real estate licenses before the real estate can go through mortgage procedures.
The loan amount in mortgage loan is closely related to the real estate price. The evaluation of real estate price will be based on the area, lot, floor and completion year of the real estate. The real estate license provided by users is the most accurate source of this information, and the online merchant bank will verify and proofread the information on the real estate license.
Third, online merchants need to provide personal income to prove personal income when lending to banks.
Online merchant banks also require users who apply for mortgage loans to provide personal income certificates, which can prove the personal income of users. The level of personal income determines whether users have the ability to repay their mortgages.
Personal income certificates generally require the company's seal. The online merchant bank will comprehensively review the user's repayment ability according to the user's work unit and income, and calculate the loan amount to the user according to the repayment ability to ensure that the user has strong repayment ability to repay his mortgage.
Is the house loan approved by the online merchant a one-time loan?
It can be repaid in one lump sum because it is a credit system. After verification by the cooperative bank, it will be repaid with the loan.
1. Must have real estate, and can only get one-time or revolving loans for consumption or business purposes.
In addition, the borrower must be at least 18 years old and be a citizen of China with full capacity for civil conduct; And have a fixed residence, a stable source of economic income, and the ability to repay the principal and interest of the loan on time; Credit is also good, and there can be no bad credit record or serious negative information.
2. Eligible users can consult the specific situation of the bank and apply at the entrance of housing mortgage application. As for whether the application can be passed, it depends on the final approval result of the system. If approved, the system will be based on the value of the house mortgaged by the user and the mortgage rate.
Mortgage is based on real estate transactions, which refers to any form of housing loan support provided by banks or other lending institutions to buyers who have paid the down payment, that is, the so-called "personal housing mortgage loan". Generally used to buy a house. Apply for a loan from the bank for the remaining room fee after paying the down payment. According to the source of loan funds, it is divided into provident fund loans and commercial loans. Housing mortgage loan refers to the borrower applying for a one-time or recycled RMB loan from the bank with the real estate (housing, commercial and residential dual-use house) under the name of a natural person as collateral for consumption or business purposes. In fact, housing mortgage loan has existed for a long time, and many banks have this business, but the specific restrictions are different. Some banks only accept properties paid off by mortgage loans, while others can accept properties with outstanding loans. The solvency of users, etc. To comprehensively determine the loan amount granted to users. After both parties sign the contract and complete the formalities, the system will release the money. Houses need to meet the requirements of banks: under normal circumstances, banks accept real estate with clear property rights within 20 years and can be listed and traded. Credit compliance: The account manager of this bank will check the borrower's credit status. If the credit is too bad, the bank will not accept it. It is not enough to have collateral, but also to have the ability to repay loans, both of which must have a stable income. For example, for a loan with a term of 10 years, the monthly repayment is about 12000.
Does the house pass the mortgage system?
be
The system passed, indicating that all programs passed.
Mortgage loan process of real estate license:
1. Prepare materials, including husband and wife ID cards, household registration books, marriage certificates, real estate licenses, purchase contracts or invoices, and bank statements of personal accounts in the last six months.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both borrowers sign the Housing Mortgage Loan Contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.