Application conditions
1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;
2. The sum of the applicant's age and the loan period shall not exceed 70;
3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;
4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;
5. There is a valid guarantee recognized by the handling bank;
6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;
7. Other conditions stipulated by the handling bank.
Extended data:
According to the general principles of loans:
Article 25 loan application
If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks.
The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:
1. Basic information of the borrower and guarantor;
Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;
Three, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;
Verb (abbreviation of verb) project proposal and feasibility report;
Other relevant information deemed necessary by the lender.
Twenty-sixth borrowers credit rating evaluation:
The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.
Twenty-seventh loan investigation:
After accepting the borrower's application, the lender shall investigate the borrower's credit rating and the legality, safety and profitability of the loan, verify the collateral, pledge and guarantor, and determine the loan risk.
Twenty-eighth loan approval:
Lenders should establish a loan management system with separate approval at different levels. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority.
Twenty-ninth signed a loan contract:
All loans shall be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed.
The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. Mortgages and pledged loans shall be signed by the mortgagor, the pledger and the lender. Where registration is required, it shall be registered according to law.
Article 30 Loan issuance:
The lender shall issue the loan on schedule as stipulated in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages.
Article 31 Post-loan inspection:
After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's execution of the loan contract and operation.
Article 32 Loan repayment:
The borrower shall repay the loan principal and interest in full and on time in accordance with the provisions of the loan contract.
The lender shall issue a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and the medium-and long-term loan expires 1 month; The borrower shall prepare funds in time and repay the principal and interest on schedule.
The lender shall promptly issue a notice of overdue loan collection, and do a good job of overdue loan principal and interest collection.
Lenders charge interest on loans that cannot be repaid within the time limit stipulated in the loan contract; If the principal and interest cannot be repaid or executed, it shall be urged to repay or bring a lawsuit.
The borrower shall negotiate with the lender when repaying the loan in advance.
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