(1) Introduce a guarantee company and open a special deposit account. (2) Intermediaries collect borrower information, and appraisal companies conduct pre-appraisal. (3) Face-to-face interviews and cross-marketing. (4) examination and approval. (5) Letter of guarantee issued by the guarantee company. (6) Renaming, transfer and notarization procedures. (7) borrowing. (9) Filing and sorting of data.
The borrower shall prepare the following materials for handling the one-stop personal second-hand housing loan business of Changchun Sun City Sub-branch of China Everbright Bank:
The seller needs to provide materials: ID card, household registration book, marriage certificate and property right certificate.
Buyers need to provide materials: ID card, household registration book, marriage certificate, proof of income (you need to get the template from China Everbright Bank first), any bank salary card (more than half a year), and proof of no room.
Guarantee fee: (the guarantee company charges 4,000 yuan/transaction).
One-stop personal second-hand housing loan of Changchun Sun City Sub-branch of China Everbright Bank, also known as "Huimin e-time loan" business, refers to a 5% increase on the basis of the national benchmark interest rate. China Everbright Bank, together with Jilin Hengyuan Guarantee Company, Jilin Hongyuan Appraisal Company and Changchun Guoan Notary Office, set up a one-stop office in Changchun Real Estate Trading Center, breaking through the bank's inherent post-mortgage lending model. After the customer is approved by China Everbright Bank, the buyer and seller will change their names. After the introduction of the guarantee company, you don't have to wait for the property certificate to be issued as a mortgage. You just need to change your name to the acceptance form to get all the house payment, and evaluate the house immediately on the day of acceptance. On the premise of short pre-trial time and complete customer procedures, it will take no more than three working days from the pre-trial to the loan. The bank does not charge any fees, and the guarantee fee is the lowest in the city.
One-stop comprehensive financial service for personal second-hand housing refers to the financial service that China Everbright Bank provides customers with fast second-hand housing loans and related financial services on the basis of mortgage and guarantee.
Changchun Sun City Sub-branch handles one-stop personal second-hand housing loan business at the counter of China Everbright Bank on the second floor of Changchun Property Rights Office Trading Center (opposite Dajing Road 103 Middle School).