1. cancellation of mortgage registration:
After the borrower pays off the loan, he should ask the loan bank for the loan repayment certificate, and then go through the cancellation procedures in the housing mortgage with the loan repayment certificate to the local housing authority.
2. Refund of insurance premium:
If you apply for loan insurance at the beginning, you need to go to the insurance company to refund the corresponding insurance premium;
3. Refund of mortgage deposit:
If the borrower pays the deposit at the developer, it shall go through the formalities of refunding the deposit at the real estate developer.
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Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Traditional loans (also called offline loans) refer to submitting loan applications in the real life of RMB loans through banks. )
Online loan (also called online loan, which refers to the application submitted by online loan) is a P2P financial loan.
The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors.
Mobile phone loan (refers to submitting a loan application through the mobile phone loan app, which is flexible and convenient at any time and place)
Basic provisions of the loan: the loan target is China citizens with full capacity for civil conduct who have reached the age of 18 to 60.
Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the corresponding pledge amount, mortgage amount, guarantee amount or credit amount of the borrower.
The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by CCB.
Loan term: the maximum validity period of the mortgage line is 5 years, the maturity date of the pledge line shall not exceed the maturity date of the pledge right, and the maximum validity period of the credit line and the guarantee line shall not exceed 5 years. The validity period of the line shall be calculated from the effective date of the loan contract.
If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.