1. Mortgage loan
This kind of loan is a common way, such as a bank shop, office building, land and so on. Mortgage loan refers to the loan obtained by the borrower. When the loan expires, the borrower must return it in full, otherwise the bank has the right to dispose of the collateral as compensation.
2. Mortgage loan
There are two ways of mortgage: primary mortgage and secondary mortgage. The former is to buy and develop the house without obtaining the real estate license and land certificate. Generally 1-2 years later, the developer can get the real estate license and land certificate only after withdrawing the funds and paying off the development loan; The latter is to buy the seller's existing real estate license and land certificate at this time. What should be emphasized here is that mortgage loans and buying houses after loans; Mortgage means that you must have an existing house to mortgage in order to get a loan.
3. Credit loan
It is a loan issued by the borrower's credit, generally without mortgage or guarantee. The characteristics of applying for credit loans are: high risk and high income.
Application materials required for non-standard loans:
(1) Borrower's valid identity document
(2) local permanent residence or valid residence
(3) The borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.
(4) The list of pledge, collateral and ownership certificate required by the borrower to obtain the amount of pledge and mortgage, and the written document of the owner and property * * * agreeing to pledge and mortgage.
(5) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.
(6) Credit certification materials of the guarantor.
(7) the assessment report of the intermediary agency.
Matters needing attention in loan
1. Loan amount:
When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, the borrower will apply for a loan line to avoid the economic pressure caused by high monthly payment.
2.
The borrower must ensure that the loan provided to the lending institution is found to be suspected of fraud.
3. The purpose of the loan:
When you borrow money, you should write down the purpose of the loan frankly and clearly, which will make it easier to pass the examination.
Second, how to fill in the types of personal loans?
Loan purpose, repayment time and loan date
Third, how to fill in the loan type?
Loan types are classified into self-operated loans, entrusted loans and specific payments according to business attributes. According to the service life, it is divided into short-term payment and medium-and long-term loans. According to the nature of the main economy, it is divided into state-owned enterprise loans, collective enterprise loans, private enterprise loans and individual industrial and commercial households loans.
4. How to fill in the information of interest tax deduction for ICBC portfolio housing loans?
Please refer to the following rules to fill in the deduction information of interest tax for housing loan of provident fund and commercial loan portfolio: 1. Loan method. Fill in "portfolio loan", and fill in "provident fund loan" and "commercial loan" in two lines respectively. 2. Lending bank. The loan bank of the provident fund loan does not need it. For commercial loans, fill in "Industrial and Commercial Bank of China" and do not fill in the specific handling branch. 3. The loan contract number. Please contact the provident fund management center to confirm the provident fund loan contract number; The contract number of some commercial loans needs to contact the loan handling outlets for inquiry, not the number on the paper loan contract. 4. Date of first repayment. For provident fund loan, please contact the provident fund management center of this loan for confirmation; The commercial loan shall be filled in according to the actual time of the first repayment. 5. Term of the loan. For provident fund loan, please contact the provident fund management center of this loan for confirmation; Commercial loans shall be filled in according to the loan term clause in the loan contract. If the commercial loan contract is lost or the loan term has been changed, you can inquire through "Online Banking (Mobile Banking)-Loan-My Loan-My Housing Loan-Select the loan to inquire" of our bank.