Personal financial assets pledge revolving loan refers to the personal revolving credit loan issued by Hangzhou Bank with the financial assets held by the applicant (local and foreign currency time deposit certificates, national debt and wealth management products issued by the bank). Product features: one-time credit granting and recovery. The loan can be repaid in installments at any time within the agreed validity period, and the loan can be recycled within the validity period. The procedures are simple. A natural person with full civil capacity who applies for, withdraws and repays a loan in Hangzhou has good personal credit status, good repayment will and the ability to repay the loan principal and interest on time. Loan application materials: unexpired personal time deposit certificates in local and foreign currencies of the State Bank, treasury bonds issued by the Bank, and wealth management products.
2. What does a bank mean?
Refers to the loan issued by the lender with the movable property or rights of the borrower or a third party as collateral according to the pledge method stipulated in the Guarantee Law. Pledges include treasury bonds (unless otherwise stipulated by the state), national key construction bonds, financial bonds, AAA corporate bonds, savings certificates and other securities. The pledgor shall deliver the title certificate to the lender. The pledge contract shall take effect from the date of delivery of the certificate of rights. If personal savings deposit certificates are pledged, the bank's identity certificate and payment stop certificate shall be provided. The movable property or right as pledge must comply with the relevant provisions of the Guarantee Law of People's Republic of China (PRC), and the pledger must enjoy the ownership or disposal right of the pledged property according to law, and make a written commitment to the bank to provide pledge guarantee for the borrower. Where securities such as bank drafts, bank acceptance bills, cheques, promissory notes, certificates of deposit and treasury bills are pledged, the maximum pledge rate shall not exceed 90%; Movable property, legally transferable shares (stocks), commercial acceptance bills, warehouse receipts, bills of lading, etc. Pledged, the pledge rate shall not exceed 70%; Where other movable property or rights are pledged, the pledge rate shall not exceed 50% at most. If pledge is adopted, the pledgor and the pledgee must sign a written pledge contract, which will be terminated when the borrower pays off all the principal and interest of the loan; Before the expiration of the pledge period, the lender shall not dispose of the pledged property without authorization. During the pledge period, if the pledge is damaged or lost, the lender shall bear the responsibility and be responsible for compensation. Sign the subscription book to handle the loan formalities: the customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company; Handling application: the customer goes to the law firm entrusted by the bank to handle the mortgage application procedures, including submitting personal data, paying various fees, filling out legal documents, etc. Loan review: the law firm conducts a preliminary review of the client's application, and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged; Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral; Loan issuance: the bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment. It must be an enterprise or institution as a legal person that has been approved and registered by the administrative department for industry and commerce, and has gone through the formalities of tax registration and annual inspection as required; Products have a market, and production and operation are profitable. Do not misappropriate credit funds and abide by credit; It has the ability to repay the principal and interest on schedule, and the original loan principal and interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the bank has been formulated; According to the Standard for Credit Rating of Banking Enterprises, in principle, the credit rating must be above A; Basic account or general deposit account has been opened in the bank; Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets; The borrower's operating and financial systems are sound, and its main economic and financial indicators meet the requirements of the bank; Projects applying for medium-and long-term loans must be approved by the competent department of the state, and the proportion of the owner's rights and interests of enterprises as legal persons in the total investment of new projects shall not be lower than the capital ratio of investment projects stipulated by the state.
Three, what is the personal financial assets pledge revolving loan?
Product introduction of personal financial assets pledge revolving loan? Personal financial assets pledge revolving loan refers to the personal revolving credit loan issued by Hangzhou Bank to the applicant by virtue of its financial assets (local and foreign currency time deposit certificates, national debt and wealth management products issued by the Bank). The product is characterized by one-time credit granting and recovery. The loan can be withdrawn by installments at any time within the agreed validity period, and the loan can be repaid by installments at any time when the funds are idle. The loan can be recycled within the validity period, and the procedure is simple and quick. You can apply for, withdraw and repay the loan at any branch of Hangzhou Bank. The application conditions are at least 18 years old, and the personal credit status of natural persons with full civil capacity is good. Have a good willingness to repay and the ability to repay the loan principal and interest on time. Loan application materials: valid identity documents, unexpired personal time deposit certificates in local and foreign currencies in my name, national debt issued by bank agents, and wealth management products.