1. Now most users buy houses through loans. Due to the demand for funds, they applied for online bank mortgage loans in financial institutions. Users who want to apply for e-commerce mortgage can apply directly to financial institutions. If you need to apply, you must first have unsecured real estate, and the borrower must be 18 years old 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.
2. If there is an e-commerce loan mortgage, you must first have a real estate as a mortgage. If the user fails, it means that the user does not meet the application conditions of e-commerce loan, and the system provides housing loans for the user. Eligible users can apply for online entrepreneurial loans and enter the housing mortgage application portal for application and approval.
3. If it passes, the system will comprehensively determine the loan amount granted to the user according to the value of the user's mortgaged house, the mortgage interest rate and the user's solvency. But users also need to understand that whether the application can pass or not depends on the final approval result of the system. After the two parties sign the contract and go through the formalities, the system will make a loan.
1. The loan procedures should be complete. When hearing a loan case, the court shall require the plaintiff to issue a written receipt. If there is no written receipt, the necessary factual basis shall be provided. If there is no evidence, the people's court will not accept it. Therefore, the borrower should take the initiative to write a written loan, and the lender should also remind the other party to write a good loan. If the IOUs cannot be issued on the spot due to special circumstances, a third person shall be present to testify and make up afterwards. The loan receipt shall specify the names of both parties, loan amount (Chinese characters), loan time, loan purpose, loan interest rate, repayment date, liability for breach of contract and other legal contents agreed by both parties. When repaying the loan, the lender shall issue a receipt, and the payer shall keep the receipt properly to avoid disputes in the future.
2. The purpose of the loan shall be legal, and the legal loan relationship shall be protected by law. On the contrary, the illegal lending relationship is not protected by law. Borrowing should be legal, mainly means that the purpose of borrowing should be legal. If the lender knows that the borrower is engaged in illegal activities such as gambling, fraud, buying drugs or guns and ammunition, such lending activities are prohibited by relevant laws and are not protected by law, which is illegal or illegal. At this time, not only can the lender's own economic interests not be guaranteed, but once it cannot be repaid, there is no way to complain. Once found, administrative or civil economic punishment will be given, and criminal responsibility will be investigated according to law if the circumstances are serious. In addition, both borrowers and lenders must be voluntary. If one party takes advantage of the danger of others and goes against the true wishes of the other party, the loan relationship is legally invalid or revocable.
3. The loan interest rate should be appropriate, and the private lending interest rate can be appropriately higher than the bank interest rate, but the maximum loan interest rate should not exceed 4 times of the bank's similar loan interest rate (including interest principal). Otherwise, the interests beyond this limit will not be protected by law. In other words, a loan contract that earns high profits is not desirable. Only the right interest rate is legal. The part where the loan interest rate exceeds 4 times the bank's similar loan interest rate is not protected by law. In the lawsuit, the people's court refused to support and confirm it. You can't risk losing money because of high profits.