Nanyue Bank's real estate mortgage loan is applied by the borrower to Nanyue Bank, with housing and commercial housing as collateral, which is used by the borrower and his family to purchase loans such as cars, house repairs and durable consumer goods. As long as the applicant has a local residence and household registration and a stable job and income, he can apply for a mortgage loan from Nanyue Bank.

Application conditions

Nanyue Bank has a low threshold for applying for real estate mortgage loan, as long as 18 years old or above, has a local fixed residence and household registration, has stable professional income and good credit. One thing that needs special attention is that applicants need to have local household registration, that is, those who lack foreign household registration when applying for local jobs cannot apply.

(1) Chinese mainland citizens with permanent residence and household registration certificate;

(2) 18-60 years old, with full capacity for civil conduct;

(3) Having stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;

Provide materials

Nanyue Bank's real estate mortgage loan needs three certificates, one is the applicant's identity certificate, residence certificate, occupation certificate and monthly income certificate. Secondly, the relevant certificates of mortgaged property; Finally, the use certificate of Nanyue Bank's real estate mortgage loan. Note that Nanyue Bank's real estate mortgage loan can only be used for family car purchase, house repair, purchase of durable consumer goods and other consumer purposes, and cannot be invested.

(1) Copy of the borrower's (spouse, guarantor, if any) personal identity certificate (personal identity card+household registration certificate, marriage certificate);

(2) Mortgage title certificate;

(3) Proof that the * * * owner (including the legal * * * owner) agrees to mortgage (the borrower or guarantor can be exempted);

(4) Proof of loan use;

(5) Proof of residence certificate, such as house property right certificate and water and electricity bill for 3 months (optional);

(6) Professional certification documents such as personnel certification of the unit;

(7) monthly income certification documents; Such as bank payroll.

Loan process

Loan application → pre-loan investigation and interview → loan approval → signing contract → handling mortgage → loan issuance → customer repayment → loan settlement.