There are many ways to query the loan account number of commercial housing, such as indicating the mortgage loan account number through the loan contract; In addition, you can check in the mobile banking of the loan bank, log in to find the mortgage, and click in to see the mortgage information, including the mortgage loan account number; You can also bring your ID card and loan contract to the loan department for enquiry. As for which query method to choose, it mainly depends on everyone's needs. Relatively speaking, mobile phone inquiry will be more intuitive, and you can also find a repayment plan.
1. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, up to one year, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to buy self-occupied ordinary housing and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.
Second, the process considerations
1. Submit a loan application: When you have signed a house sales contract, you can apply for a commercial loan from the bank. Whether it is a first-hand mortgage or a second-hand mortgage, it is necessary to submit the complete materials approved by the bank to the bank for review, which is the most important step in the commercial loan process.
Mainly including ID card, household registration book, original and copy of marriage certificate; Foreign household registration needs to provide temporary residence permit or residence permit; Income certificate issued by the work unit; Sales contract, down payment invoice or receipt; Wage flow or other proof of assets in the past six months. In addition to the above five materials, different banks have different requirements for commercial loans, and other materials required by loan banks should be inquired in detail.
2. Investigation accepted by the bank: After receiving the application materials of the loan applicant, the bank will review the materials. The general review time for commercial loans is 15 working days, and the longest time shall not exceed 1 month.
During the bank investigation, the loan applicant will be asked to supplement some information according to the situation. Therefore, the loan applicant needs to keep in touch with the bank during this period.
3. Bank verification and approval: the loan bank will verify several aspects: the situation of the house, the qualification and credit status of the borrower, etc. This is an important link in the process of commercial loans. If the credit of the loan applicant is not good, it will directly lead to the failure of the loan application, so it is very important to accumulate good personal credit in life.
How to inquire the loan account number of commercial loan contract
First, the mobile banking APP query:
Log in to the personal mobile banking APP, click Loan-My Loan-Personal Housing Loan/Personal Re-transaction Housing Loan-Details, and view the loan account number.
2. Telephone banking inquiry:
Customers who have opened telephone banking can call the bank's customer service phone number and follow the voice prompts to complete the loan account inquiry.
3. Counter enquiry:
Take the information you need to inquire and go to the bank counter to inquire.
Extended data:
Commercial loan process
1, sign up for tax payment
2. Submit a loan application
3. Bank audit
4. Sign contracts related to loans.
5. The lender repays the loan on a monthly basis.
How to inquire about the commercial housing loan account number?
The mortgage loan account number is indicated in the loan contract, and you can also bring your ID card and loan contract to the loan department for enquiry.
Commercial housing loan, also known as housing mortgage loan, is a way for banks to provide installment payment for buyers (of course, this is interest). The bank lends you the corresponding number of floors according to the value of the house you bought, and adjusts the different repayment amount every year with the adjustment of interest rate. To put it bluntly, it is a kind of policy purchase, which solves the problem that users who have no money have a house first, and then slowly return it!
Commercial housing refers to residential buildings built on commercial land, which is called commercial housing. For example, a hotel-style apartment with 40-50 years property rights sold in the market is commercial and residential. Commercial housing is an ordinary residence with a property right of 70 years. Property buyers should pay attention to distinguish between commercial housing and commercial housing when buying a house. Due to the different nature of land, the property right of commercial housing is different from that of ordinary commercial housing.
Extended data
The main difference between commercial housing and ordinary housing lies in the nature of land use and property rights.
1, different land use years
The land use period of commercial housing is 40-50 years; The land use life of ordinary houses is 70 years.
2. The nature of property rights is different.
Commercial housing belongs to non-ordinary housing. Commercial housing construction is generally characterized by low-rise commercial outlets and high-rise residential buildings. Ordinary stock rooms generally do not have this situation.
3. The transaction tax is charged at 3% on the first purchase or transfer, and the residential property is1.5%; If the state levies property tax and land value-added tax, the standard of commercial housing will be higher than that of residential housing.
4. Most mortgage methods cannot apply for provident fund loans, but there are also a few projects that can be done through the efforts of developers. For another 40-year or 50-year house, the bank loan can only get 50% or 60% of the mortgage, and the longest loan period is 10 year.
5. If the daily living expenses are stipulated according to the use of public buildings, the use expenses of water, electricity and heating will adopt commercial prices. Therefore, for property buyers, ask clearly when buying a house. At present, most developers take corresponding remedial measures at the initial stage of development, which can be paid at the civil price.