What are the procedures for bank loans in Guizhou?
Among them, the loan conditions of Guizhou Bank are as follows:
(1) Borrowers who have full capacity for civil conduct, China citizens with the right of abode, natural persons from Hong Kong, Macao and Taiwan who have full capacity for civil conduct, and overseas natural persons who meet the relevant provisions of the state and are aged from 18 to 65 can apply for loan services in Guizhou Bank.
(2) The applicant has stable economic income, good personal credit and repayment ability and willingness.
(3) When buying a house, there is a legal purchase contract. When applying for a loan in Guizhou Bank, you must submit the proof of purchase.
(4) The house purchased by way of guarantee shall be provided with mortgage guarantee, or other valid guarantees that can be recognized can be provided to Guizhou Bank.
These are the conditions that general bank loans in Guizhou need to meet. In addition, the materials needed for Guizhou bank loans include: my resident ID card (or other valid identification) and proof of marital status; Business license of individual industrial and commercial households, tax registration certificate or business qualification certificate of health, public security and other administrative organs; The tax payment certificate of the last three months or the passbook entrusted by the bank to pay taxes; A written application for the loan amount; Relevant information that meets the purpose of the loan.
What are the application conditions for commercial housing loans?
Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of ordinary housing, and the borrower must provide guarantee when applying for personal housing loan. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest. Conditions for applying for individual housing loans:
(1) You must have a permanent residence in the town or a valid residence status.
(2) Must have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule.
(3) Having assets recognized by banking institutions as collateral or pledge, or units or individuals with sufficient compensatory capacity as guarantors, who can repay the principal and interest of loans and bear joint and several liabilities.
(4) If the house purchase contract or agreement can be obtained, the price of the house purchased basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank.
(5) Meet other conditions stipulated by the bank.
What are the procedures for bank loans in Guizhou? What are the application conditions for commercial housing loans? The above content is a brief introduction about the loan requirements of Guizhou banks and the application conditions of housing commercial loans, hoping to help everyone.