What does Qian Rong mean?

Pre-financing refers to front-end financing of real estate. Real estate financing refers to a series of financial activities, including fund raising, utilization and liquidation, carried out through currency circulation and credit channels in the process of real estate development, circulation and consumption. The whole real estate financing can be divided into three major links: the first step is the front-end land acquisition financing, the second step is the real estate development loan, and the third step is the return of sales funds that meet the pre-sale conditions.

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Loan:

1. Submit loan application: individuals bring ID cards, income certificates and other information to the bank camp. The media in the industry explained to the counter staff that they wanted to apply for a loan, but then they filled out the application form and submitted the payment application materials as required.

2. Bank audit:

After receiving the application materials, the bank staff should input the application materials into the bank and carefully examine and evaluate the qualifications of the applicant.

3. Sign a loan contract:

After the approval of the bank, the individual signs a loan contract with the bank. Agree on the repayment period, loan amount and loan interest rate.

4. Loan:

The bank staff will pay at the appointed time. It depends on whether the individual meets the bank loan slip. Generally speaking, personal loans need to meet the following conditions: at least 18, completed.

A natural person with full civil capacity. Have a steady job

And provide relevant income certificates. To provide bank flow, usually, the bank flow needs to be twice the monthly repayment amount. Stand up. The borrower has a good credit record. Other payment methods stipulated by the bank. If they are satisfied, the loan model is still very simple.

Loan procedures:

1。 Applicable. The borrower shall provide the relevant loan materials to the bank at the request of the bank, and the bank shall apply.

2. Loan approval. At this stage, the bank will review the materials applied by the borrower and confirm the accuracy of the materials. And check personal credit records. Are there any stains?

3. Sign a loan contract. The bank and the borrower sign corresponding loan contracts to determine the repayment amount. Repayment method and repayment period.

4. Loan issuance. The bank will repay the loan to the borrower, and the borrower will also repay the contract terms.

Note: at this time, you must carefully ask the bank's loan interest. After that, the borrower will make a choice according to his own situation. The repayment method that suits you. When you apply for a loan, you must consider your financial ability so as not to be disturbed. In the process of bank loans, banks will attach great importance to personal credit records. If a person's credit is tainted, you want to borrow money from the bank. This is very difficult.