Conditions of commercial loans
1. The target of the loan is a citizen with civil capacity: an urban resident account or a reasonable residence status, that is, the borrower has a legal status, a relatively stable job and income, and excellent personal credit and repayment ability. There are some differences between banks in down payment, so it is necessary to consult the loan bank for details;
2. There is property as pledge or mortgage loan, or an enterprise or individual that meets the prescribed standards and has the repayment ability as a guarantor to repay the principal and interest and bear joint liability;
3. There is a purchase contract or agreement. When applying for a loan, the bank has a second-hand housing mortgage loan of not less than 20% of the liquidity required for buying a house. If the down payment has been paid to the housing sales enterprise, the original and photocopy of the loan payment receipt shall be provided.
How long does it take to review commercial loans?
1. Handling commercial loans goes through many stages, such as application, rounds, review, filing, mortgage and down payment. If the materials are complete and the procedures are successful, it usually takes one to three months. At the same time, according to the borrower's personal credit record, unit, income flow and other related information and the consistency of the submitted materials, everyone's audit time is also different. The materials involved in the application procedure must be signed by the applicant himself. If there is * * * with the applicant, it is also necessary for * * to provide relevant information with the applicant and sign on the spot;
2. The loan can only be approved after the application materials are submitted completely and the number of housing units is recorded. This process is very complicated. The bank checks the relevant information and decides whether to issue the loan, the amount, annual interest rate and term of the loan.
3. Users usually need to pay attention to the personal credit records of individuals and family members to prevent personal credit reporting from affecting the user's loan review; Application materials need to be submitted as soon as possible to prevent the audit time from being prolonged. At the same time, it is necessary to determine the loan amount and term according to the personal economic situation, and plan the repayment plan as a whole, so as not to reduce the quality of personal life because of the monthly pressure.
This article mainly writes about whether personal loans to buy a house belong to commercial loans, and the content is for reference only.