Letter of credit clause

1. Borrower's age and loan period ≤60. Natural persons with China nationality and residents of Hong Kong, Macao and Taiwan who have lived in China continuously for more than 1 year.

2. Have a valid identity certificate and a fixed residence.

3. Have legal and stable economic income and good credit.

4. The comprehensive credit is finally approved, and the credit is within the validity period.

5. The bank has no overdue loans.

6 local real estate mortgage, the age of the house plus the loan period shall not exceed 30 years.

7. Other conditions.

Application material

1, ID card

If the borrower is unmarried or divorced, the borrower's ID card is required.

If the borrower is married, it is necessary to provide the identity cards of the borrower and the mortgagor.

2. Household registration book

3. Academic certificate (preferably provided)

4. Proof of income

5. Proof of marital status

6. Property certificate: current or fixed deposit certificate, passbook, national debt certificate, other bonds, real estate license, vehicle driving license, etc.

7. Temporary residence permit: The borrower's household registration is in other places, and it is necessary to provide temporary residence permit or Beijing work residence permit.

8. Original mortgage real estate license

Extended data

Classification of short-term loans

1. Operating revolving loan:

Loans obtained from banks or other financial institutions for production and operation. When handling loans, enterprises should submit annual and quarterly loan plans to banks in accordance with relevant regulations. After approval by banks, borrowers in the loan plans can handle loans with loan receipts.

2. Temporary loans:

Due to seasonal and temporary objective reasons, the normal capital turnover can not meet the needs, and more than short-term loans are included in production turnover or commodity turnover. Temporary loans are subject to the "one-by-one nuclear loan" method. The loan term is generally 3 to 6 months, used according to the specified purposes and returned according to the accounting period.

Product advantage

If the amount is more than 654.38+00,000, the part below 654.38+00,000 (inclusive) can be spent by credit card, purpose, contract invoice receipt, etc. Need to provide, more than 6,543,800 yuan needs to be paid by entrustment.