First, housing mortgage loans, employment loans
1. Borrower's conditions:
A natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration);
The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan).
2. Provide information:
Identity cards, household registration books, marriage certificates and income certificates of both husband and wife;
Property certificate of mortgaged house (such as the original purchase contract provided by the cost property).
3. Scope of mortgaged real estate: Beijing real estate can be handled.
4. Types of mortgaged properties: commercial housing, cost housing, affordable housing, apartments, villas, shops, office buildings and shops.
5, the specific process:
Receiving the customer's materials (deposit) → visiting and evaluating → determining the loan amount → reporting to the bank → signing a contract at the bank → approval → mortgage registration → customers come to our company to collect money.
6. Loan life: mortgage loan 1-30 years.
7. Completion date of real estate: the real estate can be handled after 78 years.
8. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can use multiple properties as collateral at the same time.
Second, the same name to mortgage loans.
1. Borrower's conditions:
A natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration);
The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan).
2. Provide information:
Identity cards of the borrower and spouse (including identity cards, passports, military officers' cards, travel permits to and from the mainland, and Taiwan compatriots' cards)
Household registration book of the borrower and spouse
Marriage certificate (marriage certificate for married people, divorce certificate or divorce judgment for divorced people, and death certificate for widowed people)
If the borrower is a foreigner, provide a temporary residence permit.
If the borrower's real estate license is mortgaged, the lender shall provide the balance certificate (stamped with the bank seal).
Original purchase contract, purchase invoice or receipt, bank mortgage contract, monthly repayment list printed by the bank.
Proof of income of the borrower and spouse;
Please provide the following materials as far as possible if you can, or if you can't.
Credit certification materials of the borrower (including automobile driving license, real estate license, passbook, deposit certificate, equity investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); Not required, but conducive to ratification)
3. Scope of mortgaged real estate: Beijing real estate can be handled.
4. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can use multiple properties as collateral at the same time.
5, the specific process:
Receiving customer information (deposit) → Visiting and evaluating → Determining loan amount → Reporting to the bank → Signing a contract at the bank → Approval → Repayment and mortgage issuance → Mortgage registration → Customer paying in our company → Lending.
6. Term of loan:
Years of loan in other banks+years of loan application now ≤30 years.
House age+loan period ≤35 years
7. Date of completion of the property: the house age shall not exceed 25 years.
8. Repayment method:
Average capital (decreasing), matching principal and interest, paying interest on schedule, and repaying principal when due (loans with a loan term of less than one year and a loan amount of less than 500,000 yuan).
Third, second-hand housing mortgage loan, second-hand housing mortgage loan
1. Information required by the borrower (buyer):
Second-hand housing sales contract or agreement
Identity cards of the borrower and spouse (including identity cards, passports, military officers' cards, travel permits to and from the mainland, and Taiwan compatriots' cards)
Household registration book of the borrower and spouse
Marriage certificate of the borrower (marriage certificate for married, divorce certificate or divorce judgment for divorced, and death certificate for widowed)
When purchasing affordable housing, you need to provide an audit form of affordable housing within the validity period.
Purchase deposit invoice or receipt
Proof of income of the borrower and spouse
Copy of the business license of the borrower's work unit and affix the official seal (private enterprises must provide it)
The original power of attorney for the borrower to entrust others to sign relevant legal documents and the original notarial certificate issued by the notary office.
Please provide the following materials as far as possible if you can, or if you can't.
Credit certification materials of the borrower (including but not limited to automobile driving license, house purchase invoice, real estate license, house purchase contract or invoice, passbook deposit certificate, deposit certificate issued by the bank, payroll record issued by the bank, equity investment certificate, two certificates investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); Not required, but conducive to ratification)
2. Information required by the seller:
Second-hand housing sales contract or agreement
Identity cards of the borrower and spouse (including identity cards, passports, military officers' cards, travel permits to and from the mainland, and Taiwan compatriots' cards)
Household registration book of the borrower and spouse
The seller's marriage certificate (the married person provides the marriage certificate, the divorced person provides the divorce certificate or divorce judgment, and the widowed person provides the death certificate or household registration book to indicate the widowed person).
Property right certificate for trading real estate.
Information to be provided when the transaction property is a non-commercial house:
When buying a house at cost price, standard price or preferential price, you need to provide the original purchase contract. If it is clearly stated in the original purchase contract that the original house seller has the preemptive right or the proceeds from the sale of the property belong to the original house seller, you must provide the original house seller. If the original house seller no longer exists, you can fill in the declaration for the sale of purchased public housing.
For houses with central property rights, the registration form of houses listed and sold by central production units in Beijing shall be provided.
Affordable housing, should provide the original purchase contract, the purchase period of less than five years, shall not be higher than the original purchase price.
3. Scope of mortgaged real estate: Beijing real estate can be handled.
4, the specific process:
Receiving the customer's materials (deposit) → visiting and evaluating → determining the loan amount → reporting to the bank → signing a contract at the bank → examining and approving → doing mortgage registration (if you want to refinance the mortgage, you must repay the mortgage first and do mortgage registration) → paying the loan by the customer in our company → lending money.
5. Term of loan:
Ordinary residence: 6 months to 30 years (house age+loan period ≤35 years)
High-grade residential and commercial houses: 1 year-10 year (house age+loan period ≤20 years).
Loan term+actual age ≤65 years old
6. Repayment method
Average capital (decreasing), matching principal and interest, paying interest on schedule, and repaying principal when due (loans with a loan term of less than one year and a loan amount of less than 500,000 yuan).
Fourth, the garage pledge
1, the basic basic conditions for parking:
(1) motor vehicle registration certificate (2) exercise certificate (3) original car purchase invoice (4) insurance policy (5) road maintenance fee (6) purchase tax certificate (7) ID card (8) inspection list of imported vehicles.
Note: Materials added by unit vehicle.
(1) Organization code certificate (2) Copy of business license (3) Three blank letters of introduction with official seal.
(4) Power of attorney of legal person
2. The basic conditions that the mortgage should meet:
Materials to be provided for installment housing:
House purchase contract, loan contract, deed tax ticket, maintenance fund invoice, identity card of the owner and his spouse, household registration book, marriage certificate (the above documents must be original)
Materials for the whole house:
Original ID card, household registration book, marriage certificate and real estate license of the owner and his/her spouse (original purchase agreement or purchase contract shall also be provided for the cost house) (original documents shall be provided for the above documents).
3. Processing flow:
Receiving customer information → home visit, estimation → predetermined loan amount → entrusted notarization → keeping documents → lending.
Note: repayment method of balloon loan:
▲ The above mortgage loans, second-hand housing mortgage loans, second-hand housing mortgage loans and loans of the same name can all be used for balloon loan repayment. (For example, if you borrow 654.38+ million yuan, you just want to deposit interest, and the monthly repayment amount is low. We can help you with the repayment interest of 654.38+0-5 years, but the monthly repayment amount is 20-30 years, and the principal will be repaid together in 5 years. If the principal is not paid, you can apply for extending the loan term again. )
Verb (abbreviation of verb) Mortgage loan of property right house under company name:
1, providing basic information.
Business license 2) organization code certificate 3) legal representative ID card 4) loan card and password 5) capital verification report 6) articles of association 7) tax registration certificate 8) title certificate of mortgaged property.
2. Loan term: 1-2 years.
3. Loan amount: unlimited.
6. Unsecured loans for SMEs:
1. Basic application conditions:
It must be a company registered in Beijing
Company nature: limited liability company, partnership enterprise, individual industrial and commercial households, etc.
Company operation time: at least 3 years.
2. Provide basic materials:
Business license of the company (original and copy)
National tax and local tax registration certificate (original)
Organization code certificate (original)
Articles of Association (stamped with the inquiry seal of the Administration for Industry and Commerce)
Capital Verification Report (stamped with the inquiry seal of the Administration for Industry and Commerce)
Loan card (if not, you can handle it quickly)
Identity cards/passports of all shareholders of the company.
financial statements
3. Loan term: 1-2 years.
Seven: personal credit loans
Basic application conditions: national civil servants (teachers, doctors, lawyers, public officials of state organs and units, top 500 enterprises in China, etc. ).
Provide basic materials: ID card, household registration book, marriage certificate, residence certificate and original income certificate of the borrower and his spouse.
Loan amount: 654.38 million-600,000.
Loan term: 1 year -2 years.