1. For customers who have passed the examination and approval and are far away from the date of credit inquiry before the loan is issued, they need to inquire about credit again.
2. According to Article 6 of the Personal Housing Loan and Guarantee Contract signed by the bank and the borrower, the loan granting conditions are as follows: The lender grants the loan on the premise that the following conditions are met at the same time:
(a) The guarantee under this contract has come into effect and will continue to be effective, and all necessary registration procedures have been completed;
(2) The guarantee under this Contract has not changed to the detriment of the Lender, or although it has changed, the Borrower has provided another legal and effective guarantee recognized by the Lender;
(3) Neither the Borrower nor the Guarantor has violated any contract under this contract;
(4) The borrower has submitted relevant documents and materials required for granting loans according to the reasonable requirements of the lender;
(5) The Borrower has opened a repayment account to repay the loan as agreed in this Contract;
(6) There is no unfavorable situation that the lender thinks will affect the borrower's credit and the safety of loan funds, including but not limited to the borrower's overdue debts or major litigation cases in any financial institution.
Extended data:
1. The loan investigation includes but is not limited to the following contents:
(1) Basic information of the borrower;
(2) The income of the borrower;
(3) the purpose of the loan;
(4) The source, ability and method of repayment of the borrower;
(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.
2, the loan investigation should be based on field investigation, supplemented by indirect investigation, take on-site verification, telephone inquiry and information consultation and other ways and methods. On the premise of not damaging the legitimate rights and interests of the borrower and controlling risks, the lender may prudently entrust a third party to handle some specific matters in the loan investigation, but the qualifications of the third party must be clarified.
Luoyang net-Face-to-face mortgage has been approved. Do you want to check the credit information again before the loan?
Baidu Encyclopedia-Interim Measures for the Administration of Personal Loans