1. Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
Legal basis:
Contract law of the people's Republic of China
Article 761 A factoring contract refers to a contract in which the creditor of accounts receivable transfers the existing or existing accounts receivable to the factor, and the factor provides the debtor of accounts receivable with services such as financing, management or collection of accounts receivable, and payment guarantee.
Article 762 The contents of a factoring contract generally include terms such as business type, service scope, service term, basic transaction contract, accounts receivable information, factoring financing or service remuneration, and payment method. Factoring contracts shall be in written form.
Which banks in Ziyang can buy and sell contract loans?
In Ziyang, purchase and sale contract loans are commercial loans, which can help enterprises or individuals. Banks are also the main institutions that provide such loans. The following banks can provide loan services for purchase and sale contracts: China Bank, China Industrial and Commercial Bank, China Construction Bank, Agricultural Bank, Bank of Communications, China CITIC Bank, Industrial Bank, Huaxia Bank and China Minsheng Bank. Generally, these banks will conduct loan risk assessment according to the credit status of enterprises or individuals, and issue a letter of intent for loan application according to the assessment results, providing different loan schemes and interest rates for customers to choose from. After selecting a bank, you must also provide relevant information, such as purchase and sale contracts, letters of credit, trade invoices, etc.
Can a house purchase contract be used as a mortgage?
You can't. If you sign a house purchase contract, you can't use it as a mortgage to guarantee the debt if you don't get the property ownership. The law stipulates that the following property shall not be mortgaged: (1) land ownership; (two) the right to use collectively owned land such as homestead, private plots and private hills, except those that can be mortgaged according to law; (3) Educational facilities, medical and health facilities and other public welfare facilities of non-profit legal persons established for the purpose of public welfare, such as schools, kindergartens and medical institutions; (4) Property whose ownership and use right are unknown or controversial; (5) Property that has been sealed up, detained or supervised according to law; (6) Other properties that may not be mortgaged according to laws and administrative regulations.
legal ground
People's Republic of China (PRC) Civil Code
Article 240th the owner has the right to possess, use, profit from and dispose of his real estate or chattel according to law.
Do bank loans need engineering contracts and purchase and sale contracts?
Need, reason: before lending, banks need to know the purpose of the borrower's loan. The sales contract is only one of the evidences to prove the purpose of the loan, and other contracts and other written materials can also be used to prove the purpose of the loan. For businessmen, it is often possible to obtain liquidity through bank loans. Legal basis: Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank lends money, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.