There are no hard and fast requirements for mortgage loans. You must have a credit card to get a mortgage. Users don't have a credit card, and it won't affect users' loan purchase. The application conditions of mortgage do not require users to have credit cards, and users without credit cards can also submit mortgage applications. In addition, if the user has a credit card, there will be a credit record in the credit investigation, which is beneficial for the bank to better evaluate the user. Without a credit card, the user has never applied for a loan, so this kind of user belongs to a white household with credit information, and the white household with credit information will apply for a mortgage review more strictly.

Personal commercial housing loan process

hypothesis

Have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan.

The purchased commercial house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business operation.

A house purchase contract or agreement has been signed (hereinafter referred to as "house purchase contract"), and more than 40% of the house purchase price has been paid.

With the assets recognized by the loan bank as collateral, the present value of the house purchased is not less than RMB 300,000.

It is agreed to handle the bank card (discount) at the loan bank and entrust the loan bank to deduct the principal and interest of each loan.

The following information should be provided

Valid identity documents, proof of marital status and other necessary documents of the borrower and the mortgagor;

The real estate certificate of the mortgaged house and the certificate that the mortgaged property agrees to mortgage;

Letter of intent signed by the borrower, receipt of more than 30% of the purchase price or other supporting documents;

Other materials deemed necessary by the lender.

General provisions of business

The loan amount is determined according to the borrower's personality, occupation, education level, repayment ability and the liquidity of the purchased house (including mortgaged house). If a house owned by itself or provided by a third party is mortgaged, it shall not exceed 70% of the present value of the mortgaged house, 60% of the purchase price of the house, and in principle shall not exceed 500,000 yuan.

Term of the loan: generally within ten years, and the maturity date of the loan cannot exceed the borrower's 65 years of age in principle.

The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year.

The Borrower shall repay the loan principal and interest according to the repayment method and repayment plan agreed in this Contract. If the loan term is within 1 year (including 1 year), the interest shall be paid quarterly and the principal and interest shall be settled at maturity; If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid by equal monthly installments.

Personal commercial housing loan process

(1) The borrower applies for a loan from the lending bank and provides relevant information to the lending bank.

(2) After accepting the loan application, the loan bank shall organize personnel to conduct investigation and approval.

(3) After investigation and approval, the borrower is required to open a deposit account or bank card in the loan bank, sign a loan contract with the borrower and the mortgagor, and go through mortgage registration and insurance procedures.