Expand all credit cooperative loans
Rural credit refers to loans to farmers with rural household registration to use seeds, breeding and other sales expenses, of course, you can also buy a house.
Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. Evaluate the loan without mortgage.
Third, if you look for a guarantor, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently.
If the guarantor is in a foreign country, of course, it does not meet the guarantee conditions, so just find someone to guarantee it.
Four. There are many conditions for granting loans, so it is best to ask the local credit cooperatives.
If the borrower wants to prove (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer. In fact, it can be issued without guarantee.
2. What are the procedures for the mortgage loan of Yantai Ocean Building?
Id card, marriage certificate, income certificate, etc.
Third, Haiyang real estate mortgage
The automatic transfer of pre-mortgage to formal mortgage registration service is in-. Before the real estate registration service in Shanghai is upgraded again, the buyers have to go through mortgage notice registration, first-hand house transfer registration, pre-mortgage and formal mortgage for three times, which requires the buyers and banks to "run three times, apply three times and hand in three sets of materials". Now, after Haiyang Real Estate Registration Center launched the service of "automatic" pre-mortgage to formal mortgage registration, buyers can directly handle the pre-mortgage to formal mortgage business when handling mortgage notice registration or real estate transfer registration. On the basis of establishing online business cooperation with banks such as financial platform and "One Netcom Office" platform, the real estate registration center supplements and improves the cooperation agreement. The bank agrees in advance and authorizes the real estate registration center to directly handle matters such as mortgage pre-redemption and announcement of cancellation of mortgage pre-registration certificate. So as to realize the "automatic" redemption of pre-mortgage and the "zero meeting" and "zero running errands" of pre-mortgage redemption. The implementation of automatic pre-mortgage to formal mortgage mode marks the upgrade of Haiyang real estate registration service. We will provide all-round "packaging service" from the applicant's point of view through the pre-storage and call of registration materials, process reengineering and compression, and strive to create a brand image of "excellent service, excellent process, excellent timeliness and excellent materials". ID:jrtt related questions and answers: Legal analysis of bill re-mortgage: Bill mortgage refers to the loan financing obtained by the holder from the bank with the accepted and unexpired bills as collateral. When banks mortgage bills, they usually ask borrowers to sign their names and dates on the back of the bills. If the debtor is unable to repay, the bank can make recourse according to the endorsement. Legal basis: Article 31 of the Bill Law of People's Republic of China (PRC). A bill of exchange transferred by endorsement shall be endorsed continuously. If the holder proves that his right to draft has been transferred by endorsement, but obtains the draft by other legal means, he shall provide evidence to prove his right to draft according to law. The term "continuous endorsement" as mentioned in the preceding paragraph means that in the transfer of a bill of exchange, the signatures of the endorser of the transfer bill and the endorsee of the acceptance bill are continuous. Article 35 Where the words "entrusted collection" are recorded in the endorsement, the endorsee has the right to exercise the right to entrust the bill of exchange on behalf of the endorser. However, the endorsee may not transfer the rights of the bill of exchange by endorsement. If a bill of exchange can be pledged, the word "pledge" shall be recorded in the endorsement. When the endorsee realizes his pledge right according to law, he may exercise the right to draft. Related questions and answers: Is it cost-effective to apply for a mortgage loan after buying a house in full? Hello, I'm a loan officer in Zhengzhou. Let me answer this question for you. As a professional financing manager, I have rich experience in real estate financing. Let's take a look: there are generally two options for buying a house: 1 Loan to buy a house. 2. If we buy a house in full, we won't analyze it. Must be a local tyrant. Today we mainly take a look. Here, we need to analyze the example of Zhengzhou City in Bian Xiao. At present, the short-term interest rate of existing home loans in Zhengzhou is one to three years. If the current interest rate is low for one year, it will be above 3% and basically around 5% for three years. There are also long-term existing home mortgage loans, such as Bank of Zhengzhou's 20-year equal principal and interest and CITIC Bank's 20-year equal principal and interest. If their interest rates are basically above 5% after adjustment, the most common existing housing mortgage loans are basically to repay the principal first, and there are not many equal principal and interest. When we handle the on-site mortgage, we must handle the business. If you have requirements for crystals, you can enjoy national interest rate subsidies. If you are simply an office worker, you can only apply for a consumer loan. Not only is the quota limited, but interest rates will rise a lot. Basically like Zhengzhou, if you mortgage an existing house and take a consumer loan, the interest rate is around 6.5%. Therefore, when applying for on-site mortgage, we must consider whether to take commercial loans or consumer loans. There is a big difference in interest rates between the two. Let's take a look at the current mortgage interest rate in Zhengzhou. According to the latest interest rate, the lowest interest rate for the first suite in Zhengzhou is 5.88, which can be loaned for 30 years. In fact, for long-term loans, mortgage loans are the most cost-effective. If you apply for 20 years, then I suggest you make an existing home mortgage loan, which is definitely cheaper. If it is 30 years, then you can only choose mortgage loans, and the overall interest rate is similar. Therefore, whether it is an existing home mortgage or a mortgage depends on your specific situation. Well, I am a loan officer in Zhengzhou, spreading positive financial knowledge, paying attention to me and taking you to know the latest knowledge of the credit circle.