1. The customer issues the personal credit report of both husband and wife to the loan bank or the People's Bank of China;
(Both husband and wife of the borrower must carry their ID cards)
A. Inquire and issue to the People's Bank of China;
(The borrower himself brings his ID card to the scene)
B. Log on to the personal credit information platform for inquiry and printing;
2. After the provident fund (portfolio) loan is approved, the customer signs a loan agreement with the guarantee company and goes through the mortgage guarantee procedures;
Materials required for signing the loan agreement: (real estate license, land certificate, mortgagor's ID card, marriage certificate)
Materials required for handling mortgage guarantee procedures: (See the materials for providing mortgage guarantee procedures for details)
3. After the mortgage is settled, the guarantee company informs the customer to collect the advance funds and settle the original commercial loan;
4. The customer shall submit the settlement certificate, other warrants and application for house registration provided by the original commercial bank to the guarantee company (Table 3);
5. After the original commercial loan mortgage is cancelled, the guarantee company informs the customer to obtain the real estate license.
Provisions of the Supreme People's Procuratorate and the Ministry of Public Security on the standards for the prosecution of economic crimes. Lending the credit funds of financial institutions to others with high interest rate for the purpose of lending shall be prosecuted under any of the following circumstances:
1, personal lending with high interest rate, and the illegal income is more than 50,000 yuan;
2. The unit lends money at high interest rate, and the illegal income is more than 100,000 yuan;
3, although not up to the above amount standard, but because of high interest lending, administrative punishment for more than two times, and high interest lending.