Natural persons aged between 18 and 65;

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.

Well, what's the procedure for buying a house with a loan? What are the procedures for buying a car with a loan? If you apply for a CMB card, you can apply for a car loan through a savings card. If you have taken a fancy to the car you need to buy through the car dealer, you can confirm whether you have cooperation with CMB through the car dealer. If not, you can try to contact the personal loan department at the counter of the local China Merchants Bank directly to apply for your loan. The handling bank needs to specifically review your situation and determine whether you can handle it.

Hello, I'd like to know what procedures are needed for a loan. If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. Please dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking business-"4 "personal loan business to enter the manual service to provide loans for more city information.

What are the terms of Wonon's loan? "New One Loan" is specially issued by Ping An Bank for people with stable and sustained wage income. According to their monthly salary, the loan amount can be up to about 8 times of your salary. These funds are unsecured RMB loans for personal consumption. The loan amount is 400,000-300,000 yuan without guarantee or mortgage. You only need to bring: ID card, residence certificate, work certificate, loan use certificate and salary records of the last 3 months. Then go to the bank and fill out an application form and a contract. Ok, if you repay, you will pay back the principal with interest every month, which is called equal repayment for short! I hope I can help you!

What is the loan procedure? Application conditions

1. Legal and valid identity documents of the borrower;

2. The borrower's economic income certificate or occupation certificate;

3. The account book of the borrower;

4. Borrowers with spouses need to provide proof of husband-wife relationship;

5. In the case of co-borrower, it is required to provide a written commitment signed by all parties of the borrower to clarify the joint repayment responsibility;

6. Certificate of property right of the purchased second-hand house;

7. The house sales contract signed with the seller and the transfer account provided by the seller;

8. If the collateral needs to be assessed, a collateral assessment report issued by an assessment agency recognized by the lender;

9. The written authorization document of the co-owner of the purchased house agreeing to sell the house;

10. Other documents or materials required by the lender.

Processing flow:

First, Tian She:

Lenders, intermediaries, appraisers, buyers and sellers. Location: the location of the house applying for mortgage loan. Site survey of houses: whether the property rights of the houses sold are clear; Whether to establish other mortgage rights; Whether to rent it out; If it is public housing reform, housing projects, affordable housing and other non-commodity housing meets the listing conditions; Whether it is included in the demolition notice or the scope of urban transformation planning; Whether the proportion and term of the loan applied for meet the requirements; Whether the information provided by the seller is true, complete, legal and effective; Record the customer's contact telephone number; Collect a copy of real estate license. Provisions: Housing built after 1996 is allowed to apply for second-hand housing mortgage loan; The age of the house purchased is generally not more than 15 years, in which the loan ratio must be reduced accordingly, and the mortgage rate is up to 70%. The longest period is 30 years; The sum of the house age and the loan period shall not exceed 30 years at the longest, and the loan period of commercial housing shall not exceed 10 year at the longest; If the building area is less than 60 square meters, a second residence certificate is required. Comprehensively evaluate the repayment ability of the buyer, and inform the customer of the materials (ID card, household registration book, marriage certificate, real estate certificate, land certificate and deed tax certificate of the buyer and seller) that need to be prepared. ) Submit two blank income certificates, stamp the customer and sign the "Confirmation of Real Estate Transaction".

Second, the verification of property rights:

Owner and co-owner (seller) and intermediary.

Third, sign the contract:

Lenders, intermediaries, buyers and sellers. Location: loan bank. Carefully check and verify the customer's original information, identify the authenticity of all signatures, supervise the customer's signatures, collect the original real estate license and deposits (the specific amount is determined by the buyer and the seller), copy the information, and remind both parties to handle accounts in the bank.

Fourth, sort out the information and fill in the contract according to the relevant information provided by the customer.

When the borrower's income certificate is insufficient, it is necessary to provide co-borrower and issue the income certificate. The unit name on the income certificate must be the same as that on the application form. The current address column of the "Application Approval Form" must fill in the address of this city; If there is a co-borrower, the application approval form shall be signed by two people and the corresponding announcement shall be signed. When filling in the Mortgage List of Individual House Purchase Contract, the original value is the transaction price of the buyer and the seller, and the discount rate = mortgage value (i.e. loan amount) ÷ original value or evaluation value (whichever is lower). Do not fill in the real estate license number and interest rate. Supplementary clauses of the loan contract: If the relevant announcements and materials provided by the borrower are untrue, it will be regarded as a breach of contract, and the lender has the right to take measures such as announcing the early expiration of the contract, recovering part or all of the loan principal and interest, and investigating its liability for breach of contract. In case of loan interest rate adjustment, the default interest rate of overdue loans will rise by 30% according to the adjusted actual loan interest rate. Company seal: affix the company seal and the legal person seal to the house transaction confirmation and agreement. Personal second-hand housing loan down payment certificate? It needs to be stamped with the company seal and signed by the witness. Do you need to be there after lending? Confirmation of mortgage transfer of second-hand houses? Stamp with official seal. Fill in the information and send it to the pre-trial.

Verb (abbreviation for verb) obligation to pay:

After the fee is pre-approved, the customer will be notified to pay the fee.

Transfer of property rights of intransitive verbs:

Intermediary, buyer and seller. Venue: Housing Authority. Information provided: ID cards of buyers and sellers, real estate licenses, deed tax certificates, and commercial housing sales contracts issued by the Housing Authority. If the area is more than 200 square meters, the transaction evaluation report and photocopy materials are needed. After 10 working days, you will get a new real estate license with the license notice, the original ID card and the deed tax invoice.

Seven, postage stamps

(1), get a new real estate license, the appraisal company will issue a formal report and handle the mortgage. ② Send the printed power of attorney together with the loan contract and mortgage contract (filled out) to the bank for seal.

Eight, data archiving,

In principle, data archiving is: the transfer in the Housing Authority can be archived in about 7 days, and there is no exact time; When filing, the property owner needs to bring the original ID card to the Housing Authority 1 Building 13 window for filing; You can only apply for mortgage after filing.

IX. Mortgage Procedures

Apply for a mortgage. Article 16 of the mortgage contract shall be filled in: the loan is used to purchase a second-hand house located in ... (with * * *). ② Item 4 of Article 1 of the Loan Contract: The loan right under this Contract is only used for: purchasing ... (with * * *). (3) The portfolio issued by the Housing Authority should be: second-hand housing mortgage. ④ After 65,438+05 working days of mortgage, he will get other warrants.

X. Bank loans:

After the bank lends money, it needs to provide the borrower's deed tax certificate and a copy of the real estate sales contract to the bank.

Application conditions:

◆ 2 1-55 years old

◆ Living or working in Guangzhou

◆ Work in the current work unit for more than half a year.

◆ The monthly income is more than 2,500 yuan.

◆ Have a good credit record in the bank.

Loan rules

◆ Period 12-36

◆ The loan amount is 1 ten thousand-10.5 million.

◆ With the active cooperation of the loan applicant, the loan will be received within 2 working days.

Proof materials required for application (copy of loan application materials is enough)

1, identity: ID card

2. Work certificate: labor contract or valid income certificate issued by the company.

3. proof of income: a bank account that has paid wages in the bank in the last six months or can represent the personal income level (a bank passbook can be provided or printed at the bank counter (the counter printing requires the seal of the bank counter))

4. Proof of address:

1). Water fee/electricity fee/gas fee/sewage treatment fee/Internet access fee/cable TV fee/credit card bill/letter/courier bill in the last month (select one).

2). Renting a house (lease contract and rent payment documents for the last month)

If you have real estate, you can provide real estate license or mortgage contract and mortgage repayment records in the last three months.

If you have a car, you can provide a vehicle driving license.

Loan processing procedures:

1. Prepare the above related materials.

2. Fill in the loan application form truthfully and in detail.

3. Auditor's approval (1 working day)

4. After approval, check the original and sign a loan contract.

5. Bank loans

Two ways

1 mortgage loan

2. Guaranteed loans for civil servants

It is very difficult to get a loan through other channels. Even if the loan is successful, it will be a small loan of less than 50,000 yuan.

I want to know about renren loan. What do I need if I do it? I don't know. Whether you listen or not, I'll just say a few words. There are also many real people in this business. It's not as simple as you think. Better know more about this first. Actually. You can watch some industry news online ~ loan @ home, and you can get familiar with online loans earlier.

Hello? I want to know what kind of mortgage is needed for personal loans below 50 thousand The salary certificate needs a copy of the after-tax 2k ID card!

Just! Don't need anything else. Now the loan company can help you! Here you are. Thank you!

I want to borrow 654.38 million yuan from the Agricultural Bank. What is the procedure for banks to apply for loan business?

Natural persons aged between 18 and 65;

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.