The second trial is an audit. If there is no problem in the audit, you can directly lend money. Personal housing mortgage loan conditions: (1) with urban permanent residence or valid residence status; Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; Self-raised funds of more than 20% of the total price of the house purchased, and guaranteed to be used to pay the down payment of the house purchased; Taking assets recognized by banks as collateral or pledge, or taking units or individuals with sufficient compensatory capacity as guarantors to repay the principal and interest of loans and bear joint and several liabilities; , there is a purchase contract or agreement, and the price of the purchased house basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank; Other conditions stipulated by the bank. Materials to be provided when applying for mortgage: husband and wife's ID card, household registration book/temporary residence permit, foreigner's household registration book, marriage certificate/divorce certificate or judgment/single certificate, income certificate (in the format specified by the bank), copy of the employer's business license (with official seal), and credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc. If the borrower is an enterprise legal person, it must also provide an annual business license and certificate.
I bought a second-hand housing loan from China Construction Bank, saying that it had already been tried in the second instance. What is the second trial? How long will it take? Is it better?
The second trial is an audit. If there is no problem in the audit, you can directly lend money.
Personal housing mortgage loan conditions:
1, with urban permanent residence or valid residence status;
2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;
3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house;
4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities;
5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank;
6. Other conditions stipulated by the bank.
Information to be provided when applying for mortgage:
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
The bank mortgage has passed the first instance. What is the second trial?
Whether there will be a second review after the approval of the mortgage depends mainly on the regulations of the handling bank and the changes in the credit status. Under normal circumstances, if a loan contract is signed, and the mortgage formalities are handled in time within the agreed time, and the bank has sufficient funds, it will usually lend money smoothly, and there will be no second audit.
However, if it happens that the bank is short of funds, there may be a phenomenon of "waiting for loans" and the lending time is estimated to be delayed. After that, the bank is ready to lend money. Because it takes a long time from approval to loan, the banking system is likely to conduct a second audit to confirm whether the latest credit status is up to standard. If there is something wrong with the latest credit in the second audit, it is likely to affect the loan.
Therefore, before the mortgage funds are received smoothly, we must pay attention to maintaining good personal credit. For credit products that have not been paid off, especially remember to repay on time to avoid overdue; And don't apply for other loans for the time being. Too many loans in the same period are prone to long-term lending, leading to high personal debt ratio.
Online loan big data can clearly reflect the user's recent application for online loans, whether online loans are repaid on time, and whether identity information is suspicious. You can use credit inquiry tools such as "Beijian Quick Check" to get a detailed risk report.
Extended data:
Is it a breach of contract if the mortgage audit fails?
Failing the mortgage review is not a breach of contract, but if the reasons for failing the mortgage review are from physical aspects, such as bad credit or excessive debt, and then you choose to contact the real estate developer to return a house, then it is a breach of contract to terminate the purchase contract in advance, and you may have to bear certain liability for breach of contract.
At that time, even if the developer is required to refund the down payment, it is estimated that he will not get all the money back, because the developer may deduct part of it as liquidated damages.
Of course, if the reason why the mortgage fails is that the real estate developer has problems, such as incomplete documents and is not qualified to sell the house, then choosing to return the house is not a penalty, and there is no need to pay the penalty. You can ask the real estate developer to refund the down payment in full.
Don't choose to check out directly if the mortgage fails. You can contact the bank customer service first to ask the reason. As long as it is not a developer's problem, we can take corresponding measures to solve it, and then re-apply, maybe we can successfully apply for a mortgage. For example, if the debt is high, you can pay off the debt or pay part of it first, and then go to the mortgage after reducing the debt ratio. If the credit is not good, you should manage the credit first.
What is the main investigation of the second instance of loan? These contents are very important!
Many people don't know, in fact, loan review is not that simple. Although some pure credit online lending processes are simple and can produce results in a few minutes, most loan businesses are still relatively rigorous, requiring first and second trials, and it often takes several days to produce approval results. So what is the main investigation of the second instance of loan? Let's get to know each other.
Not all loans will have a second trial, and most of them will directly produce results in the process of first trial.
If you pay attention to the application progress, you can see that the second trial will be reviewed by telephone, video or face-to-face, and the final approval will be carried out before the quota is finalized.
In the first trial, personal data will be compared with some fixed data, and if there are errors or anomalies, it needs to be transferred to manual review.
1, line change. At the time of the second trial, the quota may change, such as decreasing or increasing.
2. It was rejected in the end. Loans that entered the second instance were all passed in the first instance. Don't be too happy. There are too many cases rejected in the second instance.
What is the main investigation of the second instance of loan?
1, personal data
Many people's personal information will have minor problems, such as filling in the application form incorrectly, finding that they have not applied for a loan, the application materials do not meet the requirements, and the bank card is abnormal. This requires a second test to review and confirm the problem, and they need to call back and resubmit the application.
2. I verify
Interviews will often be held during the second trial, such as telephone calls, videos, and going to bank outlets. Human customer service will contact you. If it goes well, there will be no problem. If it is not normal, it may be rejected.
China Bank's second-hand mortgage has passed the first instance. What is the second trial?
If you need to apply for a personal second-hand housing loan in BOC, the application process is as follows:
1. Signing a sales contract: The borrower signs a house sales contract with the seller.
2. Apply for a loan: the buyer and the seller submit the required relevant materials to the loan bank, and the buyer fills in the Application Form for Second-hand Housing Mortgage Loan;
3. Real estate evaluation: China Bank will evaluate the transaction house after receiving the loan application materials from the borrower;
4. Loan approval: China Bank approves the loan application and determines the loan amount and term. Personal second-hand housing loan business must adhere to the relevant approval principles;
5. Signing a contract: the borrower, the lender and the guarantor sign a loan contract, and the contract needs to be notarized;
6. Handling the formalities of real estate transfer and mortgage registration: the lender or the real estate agency recognized by the lender shall handle the formalities of real estate transaction transfer and mortgage registration;
7. Signing the debtor's receipt: After receiving the certificate that the borrower has completed the registration of mortgaged property, the lender will notify the borrower to sign the debtor's receipt at China Bank;
8. Lending: the lender transfers the loan to the designated account according to the agreement of the buyer and the seller, and then the buyer and the seller go to the bank to handle the loan issuance procedures;
9. Repaying the principal and interest: The borrower shall repay the principal and interest from the month following the loan issuance.
For details, please consult the loan handling bank of China.
The above contents are for your reference. Please refer to the actual business regulations.