Lending is an important step in the process of lending, which refers to the process that the loan application submitted by the borrower is approved and the lending institution issues loans to the borrower. After the loan is received, the borrower can use the loan amount according to the purpose of the loan. Credit lending can enable borrowers to obtain additional capital and promote the expansion of production and circulation scale, so credit lending is a kind of capital lending. This is a form of bank loan. The risk of issuing credit loans is generally greater than other loans, so the interest rate is higher and many conditions are often attached.

Demand analysis of bank mortgage loan;

Mortgage type

Personal housing loans refer to loans issued by banks to buy ordinary houses like borrowers; This business is also one of the main asset businesses of commercial banks. The types of loans mainly include entrusted loans, self-operated loans and portfolio loans. Entrusted loan refers to the loan granted by banks to people who buy ordinary houses with housing provident fund deposits as the main source of funds according to the requirements of banks and relevant departments. Self-operated loans refer to loans granted by banks to individual property buyers. Portfolio loan refers to a loan that is mainly from housing provident fund deposits or credit funds and is issued to the same person who buys the same house. It is also a combination of personal housing entrusted loans and self-operated loans.

The main requirements of the demand for house purchase money

First of all, you must have legal status, stable income and good credit to be able to repay the principal and interest of the loan; Secondly, there must be a legal and effective contract or agreement for the purchase or construction of housing and other supporting documents required by the loan bank. Then, if the housing area is less than 90 square meters, there must be 20% self-raised funds, and if the housing area is greater than 90 square meters, there must be more than 30% self-raised funds; Finally, there must be assets recognized by the loan bank for mortgage or pledge, or legal persons or economic organizations and natural persons who repay the economy as guarantors of loans.

Proof required for mortgage loan

A large number of documents and certificates are needed when lending, mainly including copies of identity documents, household registration books, military officers' cards or other documents; There must be proof of the borrower's repayment ability recognized by the loan bank, such as work certificate or other proof; There must be a self-financing certificate that the borrower is ready to buy a house; Housing permit or property title certificate or a copy of the building, and some documents and materials needed by the final loan bank.

Only when the information, documents and copies are complete will the bank consider lending to the borrower. When making a bank loan, you must pay attention to the interest rate and the time and period of repayment.