The borrower must meet the following conditions: 1. Hold legal and valid identity documents, have permanent residence or valid residence status in local towns, and have a fixed residence. 2. Approved by the industrial and commercial department, registered according to law, and holding a legal and valid business license. 3. It has a fixed business place, a clear production and operation plan and a clear legal loan purpose. 4. Good credit, no default and bad credit records, the ability to repay the principal and interest of the loan on schedule, and willing to accept the credit settlement supervision of the loan bank. 5. It can provide legal and effective guarantee recognized by CITIC Industrial Bank. 6. Other conditions stipulated by laws and CITIC Industrial Bank. Loan Term The loan term can be as long as 3 years, but the working capital loan for production and operation shall not exceed 1 year. The loan amount is 1. If secured by mortgage, the loan amount shall not exceed 70% of the value of the collateral; 2. At the time of pledge, the loan amount shall not exceed 90% of the value of the pledged property. Loan procedures 1. You need to open a current deposit account in the business institution of CITIC Industrial Bank; 2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank; 3. Bank managers or appointed lawyers come to visit you to investigate the authenticity, legality and integrity of the information you provide; 4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you; 5. Handle insurance, mortgage registration, notarization and other procedures as appropriate; 6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract; 7. Please repay the principal and interest according to the loan contract. ... the borrower must meet the following conditions: 1. Hold legal and valid identity documents, have permanent residence or valid residence status in local towns, and have a fixed residence. 2. Approved by the industrial and commercial department, registered according to law, and holding a legal and valid business license. 3. It has a fixed business place, a clear production and operation plan and a clear legal loan purpose. 4. Good credit, no default and bad credit records, the ability to repay the principal and interest of the loan on schedule, and willing to accept the credit settlement supervision of the loan bank. 5. It can provide legal and effective guarantee recognized by CITIC Industrial Bank. 6. Other conditions stipulated by laws and CITIC Industrial Bank. Loan Term The loan term can be as long as 3 years, but the working capital loan for production and operation shall not exceed 1 year. The loan amount is 1. If secured by mortgage, the loan amount shall not exceed 70% of the value of the collateral; 2. At the time of pledge, the loan amount shall not exceed 90% of the value of the pledged property. Loan procedures 1. You need to open a current deposit account in the business institution of CITIC Industrial Bank; 2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank; 3. Bank managers or appointed lawyers come to visit you to investigate the authenticity, legality and integrity of the information you provide; 4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you; 5. Handle insurance, mortgage registration, notarization and other procedures as appropriate; 6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract; 7. Please repay the principal and interest according to the loan contract. Documents or materials to be submitted by the borrower 1. Original and photocopy of the borrower's legal identity certificate (household registration book, resident identity card or other valid residence certificate, marriage certificate, etc.). ); 2. Original and photocopy of business license; 3 proof of the borrower's family property and economic income (including personal income certificate or tax payment certificate, bank deposit certificate, real estate license, securities, etc.). Issued by the personnel department of the borrower and his spouse); 4 information that can prove the reasonable use of the loan, such as clear production and operation plans, tax payment vouchers, purchase orders, etc.; 5. List of collateral (pledge), certificate of ownership and certificate of consent of the person entitled to dispose of the collateral (pledge), collateral evaluation report issued by the competent department or evaluation agency recognized by CITIC Industrial Bank, or collateral evaluation agreement and collateral insurance policy signed with CITIC Industrial Bank; 6. Other materials required by CITIC Industrial Bank. Please consult the local branch of CITIC Industrial Bank for specific loan conditions and procedures. Personal commercial housing loans Personal commercial housing loans refer to loans issued to natural persons for the purchase of commercial housing. Loan conditions The borrower must meet the following conditions: 1. Have legal identity documents, local permanent residence or valid residence certificates; 2 have a stable economic income and the ability to repay the principal and interest of the loan on schedule; 3. Holding a house purchase contract or agreement; 4. Can provide proof of down payment or down payment for house purchase; 5. No bad credit record; 6. Other conditions stipulated by CITIC Industrial Bank. Loan Term and Loan Amount The longest loan term can reach 10 year, and the highest loan term can reach 60%. Payment method: 1. If the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal; 2. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly. The repayment method can be equal monthly principal and interest or monthly average principal repayment. Loan procedures 1. You need to open a current deposit account in the business institution of CITIC Industrial Bank; 2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank; 3. Bank managers or appointed lawyers come to visit you to investigate the authenticity, legality and integrity of the information you provide; 4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you; 5. Handle insurance, mortgage registration, notarization and other procedures as appropriate; 6. CITIC Industrial Bank will directly transfer the loan to the special account you opened in CITIC Industrial Bank or the account you designated and approved by CITIC Industrial Bank; 7. Please repay the principal and interest according to the loan contract. Documents or materials to be submitted by the borrower 1. Original and photocopy of the borrower's valid ID card (resident ID card or military officer's card, police officer's card, passport, etc.). ), household registration book or local long-term residence certificate; 2. The borrower's income certificate, including payroll and tax payment certificate; If the loan is repaid with family income, the identity and income proof materials of other family members shall also be provided; 3. Relevant procurement contracts and agreements. 4. The ownership certificate of the mortgaged property and the certificate of consent to mortgage issued by the person with the right to dispose of it; Appraisal certificate of second-hand house (or collateral) issued by an appraisal institution recognized by CITIC Industrial Bank; 5. Provide proof of down payment for house purchase; 6. Other documents or materials required by CITIC Industrial Bank. Please consult the local branch of CITIC Industrial Bank for specific loan conditions and procedures. Personal property mortgage loan Personal property mortgage loan refers to a legal RMB loan secured by personal property mortgage. Loan conditions The borrower must meet the following conditions: 1. Have a local permanent residence or a valid residence certificate; 2 have a stable economic income and the ability to repay the principal and interest of the loan on schedule; 3. Good credit and the ability to repay the loan principal and interest on schedule; 4. The loan is used for the legitimate capital needs of the borrower's production, operation and life, and must be audited by CITIC Industrial Bank; 5. There are properties that meet the requirements of the guarantee law and are recognized by the bank as loan collateral; 6. Other conditions stipulated by CITIC Industrial Bank. The longest loan term and loan amount. The loan term can reach 10 year, with a maximum of 70%. Loan procedures 1. You need to open a current deposit account in the business institution of CITIC Industrial Bank; 2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank; 3. Bank managers or appointed lawyers come to visit you to investigate the authenticity, legality and integrity of the information you provide; 4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you; 5. Handle insurance, mortgage registration, notarization and other procedures as appropriate; 6. CITIC Industrial Bank will directly transfer the loan to the account agreed in the contract; 7. Please repay the principal and interest according to the loan contract. Documents or materials to be submitted by the borrower 1. Original and photocopy of the borrower's valid ID card (resident ID card or military officer's card, police officer's card, passport, etc.). ), household registration book or local long-term residence certificate; 2. The borrower's income certificate, including payroll and tax payment certificate; If the loan is repaid with family income, the identity and income proof materials of other family members shall also be provided; 3. The certificate of ownership of the collateral and the certificate of consent to mortgage issued by the person who has the right to dispose of the collateral; Collateral appraisal certificate issued by an appraisal institution recognized by CITIC Industrial Bank; 4. Other documents or materials required by CITIC Industrial Bank. Please consult the local branch of CITIC Industrial Bank for specific loan conditions and procedures. Business car loan Personal business car loan is a RMB loan for natural persons to buy business cars. Loan conditions The borrower must meet the following conditions: 1. Have legal identity documents and local permanent residence; 2 have a fixed occupation and a stable source of income, and have the ability to repay the principal and interest of the loan on schedule; 3. Being able to provide guarantees recognized by CITIC Industrial Bank; 4. Deposit the down payment for car purchase in CITIC Industrial Bank or provide the down payment certificate approved by the bank; 5. No bad credit record; 6. Other conditions stipulated by CITIC Industrial Bank. Loan Term and Loan Amount The loan term can be up to 3 years and 60% at the highest. Payment method: 1. If the loan term is within 1 year (including 1 year), the principal and interest will be repaid in one lump sum at maturity, and the interest will be paid off with the principal; 2. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly. The repayment method can be equal monthly principal and interest or monthly average principal repayment. Loan procedures 1. You need to open a current deposit account in the business institution of CITIC Industrial Bank; 2. Please fill in the loan application form as required, and submit the application form and required materials as instructed by the bank; 3. Bank managers or appointed lawyers come to visit you to investigate the authenticity, legality and integrity of the information you provide; 4. After the bank has passed the examination and approval, it will inform you of the examination and approval results and sign a loan contract with you; 5. Handle insurance, mortgage registration, notarization and other procedures as appropriate; 6. CITIC Industrial Bank will directly transfer the loan to the special account you opened in CITIC Industrial Bank or the account you designated and approved by CITIC Industrial Bank; 7. Please repay the principal and interest according to the loan contract. Documents or materials to be submitted by the borrower 1. Apply for personal car loan; 2. The original and photocopy of the borrower's valid ID card (resident ID card or military officer's card, police officer's card, passport, etc.). ) and household registration book; 3 proof of the borrower's income, including payroll, tax payment vouchers, valuable documents, etc. ; If the loan is repaid with family income, the identity and income proof materials of other family members shall also be provided; 4. Original car purchase contract or agreement; 5. Proof of deposit in CITIC Industrial Bank or proof of down payment for car purchase; 6. If mortgage or pledge is adopted, it is necessary to provide proof that the person who has the right to dispose of the property (including the property owner) agrees to mortgage or pledge, and at the same time submit the ownership certificate, appraisal, insurance certificate, original and photocopy of the property right certificate. If the guarantee method is adopted, a written document that the guarantor agrees to undertake the guarantee responsibility shall be provided; 7. Other materials required by the bank.
Second, the e-loan mortgage process of rural commercial banks?
The housing loan process of rural commercial banks is as follows: 1. The borrower needs to submit written documents to the housing management department when applying for housing mortgage loan, and the real estate appraisal agency will review the application materials submitted by the applicant.
2. After the borrower submits the written documents, the property (collateral) will be used as the pledge and handed over to the lender to open a current deposit account in the bank.
Three. The Lender shall go through relevant formalities at the entrusting bank. Four, the applicant to provide materials to the entrusted bank for the corresponding loan procedures.
Five, the borrower to apply for real estate mortgage loans need to submit written documents to the housing management department and send their information to the company or law firm to sign a loan contract.
3. What are the procedures and conditions for enterprise mortgage loan?
Subjectivity of law: when an enterprise encounters difficulties in its development, it can obtain loans by mortgaging its assets to banks, thus solving the current economic problems faced by enterprises. Mortgage loan is ok, but sufficient information must be submitted. What basic information do enterprises need for mortgage loans? What basic information do enterprises need to apply for mortgage loans? 1, the business license and annual inspection certificate of the latest year, including the original and photocopy; 2. The organization code certificate and annual inspection certificate of the last year; 3. The tax registration certificate and annual inspection certificate of the last year; 4, the legal representative's identity certificate and signature sample or seal; 5. Articles of association; 6. A written document in which the mortgagor agrees to provide mortgage guarantee; 7. The mortgagor shall enjoy the right, use right or disposal right of the mortgaged property according to law; 8. State-owned land use certificate, house ownership certificate and house ownership certificate owned by the mortgagor. Processing flow 1. Submit a loan application: submit the loan purpose, amount and term to the financial institution to verify whether the institution accepts it. 2. Prepare loan materials: materials required for personal real estate mortgage loan: ID card, household registration book, income certificate, corresponding personal consumption contract, proof of marital status (marriage certificate, single certificate, divorce certificate) and house ownership certificate; Materials required for enterprise real estate mortgage loan: three certificates, account opening permit, articles of association, enterprise capital verification report, purchase and sale contract, annual financial statements and semi-annual financial statements of the previous year, and asset certificate (different materials are provided according to different banks). 3. The bank appoints an evaluation agency and issues an evaluation report: this link determines the amount of your mortgage loan. The general evaluation price will be different from the market price, because the evaluation agency will consider multiple factors. 4. Submit to the bank for approval: submit the above materials to the bank for approval. Pay attention to complete materials, and repeated supplementary materials will affect the loan progress. 5. Notarization of loan contract: The borrower and the mortgagor fill in the loan contract and all relevant documents, sign them and press their handprints, which will be notarized by a notary. Notarization purpose: When the loan cannot be repaid, the notarization fee for collateral enforcement is generally 0. 15 of the loan contract. 6. Mortgage registration: The bank shall go through the mortgage registration formalities at the electric power inspection office with the house ownership certificate and notarized loan contract. 7. Opening an account and lending: the money is directly transferred to the borrower's card. Enterprise mortgage loans can be solved according to law. If you want to find a lawyer when you plan to solve it, you can find a professional lawyer online.
Legal objectivity: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.
4. What are the procedures and conditions for company mortgage loan?
What are the procedures for corporate mortgage loans?
What procedures and conditions are needed for enterprise loans mainly depends on what kind of loan business the enterprise operates and the requirements of the handling bank or lending institution. Different types of loan business handled by enterprises, different banks or lending institutions apply for, and the procedures and related conditions will be different.
For example, when an enterprise applies for a credit loan, it can directly bring the business license, tax registration certificate, capital verification report, tax payment certificate, financial statements and other materials to the staff for processing.
Fill it out and give it to the staff. If it comes out, the bank or lending institution will inform the customer, and then the customer will go to the outlet and sign a loan contract with the bank (lending institution). After signing the contract, the loan was released.
The conditions of banks (lending institutions) in enterprise credit loans are generally concerned, such as whether the business owner (borrower) has a bad credit record, whether the operation time is enough, whether the operation is stable, whether the profit income is good, and so on.
And if you apply for a mortgage loan, you need to apply for a mortgage in addition to the contract, and you must also have the relevant documents of the collateral in the information. In terms of conditions, in addition to the above, the value of collateral will be required to be sufficient.
If necessary, the credit service brand of finance (formerly known as Baidu Youhuahua, 20 1 brand) is recommended for low-interest loans, with a maximum loan amount of 200,000 and a daily interest rate as low as 0.02%.
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Share with you the application conditions of Fuguihua: The application conditions of Fuguihua are mainly divided into age requirements and information between 8 and 55 years old. Pay special attention to installment loans. If you are a college student, please give up the application. 2. Information requirements: You need to provide your second-generation ID card and your supporting debit card during the application process. The applicant's identity information needs to be the second-generation ID card information, and can't apply with temporary id card or the first-generation ID card. Online lending is risky, so choose carefully.