How to apply for a bank deposit certificate mortgage loan? What are the advantages of deposit certificate mortgage? The loan term of time deposit certificate shall not exceed one year or the maturity date of time deposit certificate; The starting point of the deposit certificate amount is generally 5,000 yuan, and each loan does not exceed 90% of the pledged value of the deposit certificate, and the highest is 95% of the pledged value; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and may be up to 65,438+00% depending on the borrower's situation.

Deposit certificate process: the borrower submits a written application for deposit certificate to the deposit bank with relevant loan information; The bank examines the authenticity of the information and passes the borrower's pre-loan investigation; After investigation, examine and approve the loan, and determine the loan amount, loan term and loan interest rate; The borrower signs a loan contract with the bank; Bank loan.

When handling certificates of deposit, you generally need the following materials: resident identity card, household registration book or other valid residence identity documents, personal time deposit certificate, work or business certificate, income certificate, personal deposit certificate application form, and information required by the bank.

After the loan expires, the principal and interest of the loan can be repaid by cash or bank deposit. With the consent of the bank, the borrower can repay the loan principal and interest in advance, and the interest is calculated according to the interest rate agreed in the contract signed by the original borrower and the actual loan days.

How to get a certificate of deposit loan from Zhongyuan Bank?

Zhongyuan Bank's procedures for handling certificates of deposit are as follows.

1. The borrower applies for a loan and submits relevant credit information.

2. The borrower, the handling bank, the deposit bank and other parties cooperate with each other to jointly complete the procedures of opening, confirming and pledging the time deposit certificate.

3. The bank will issue loans after approval.

4. The borrower uses the loan as agreed.

5. The borrower shall repay the loan principal and interest as agreed.

6. Release the pledged certificate of deposit and return it to the customer.

Zhongyuan Bank Co., Ltd. (hereinafter referred to as Zhongyuan Bank or ZYB) is headquartered in Zhengzhou, Henan Province.

How to mortgage loans with bank time deposits

Application materials for time deposit certificate:

1. Original and photocopy of my valid ID card;

2. Time deposit certificate in my name;

3. Other materials required by the bank.

Time deposit certificate processing flow:

1. The borrower applies for a loan from the bank;

2. Bank review and approval;

3. After approval, the bank signs a loan contract with the borrower;

4. Bank loans;

5. The borrower repays in full and on time.

Extended data

Bank loans are divided into the following categories:

1, personal credit loan

The bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income and a certificate of loan use; Personal credit status is good. There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan.

2. Housing mortgage loan

The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

3. College students' entrepreneurial loans

The application conditions for this kind of loan are still relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

4. Self-operated loans

Must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

5. Housing mortgage loan

Have a valid identity card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.