Online mortgage loan is completed online by scanning QR code through WeChat, such as real estate assessment, credit application and quota approval. Collateral verification, pre-loan investigation, contract signing, mortgage handling and other links are all offline, which are completed with the assistance of Bank of Communications staff. Fill in information such as mortgaged property on your mobile phone, without looking for a real estate appraisal company. The system will feedback the evaluation price and loanable amount in real time, and the loan can be released in up to 3 days. And the guarantee fee, mortgage fee and other expenses are exempted to minimize the financing cost. From the customer's point of view, "online mortgage loan" can make data run more, make customers run less errands, make banks bother more and save customers' costs.
At present, the online mortgage loan of Bank of Communications adopts the method of "online evaluation and credit approval+offline standardized verification investigation", which mainly includes online application first and offline mortgage.
Online mortgage application process: firstly, log in to the online bank of Bank of Communications, and after logging in to the account, submit relevant materials as required; After passing the preliminary examination, according to the requirements of Bank of Communications, go to the bank to sign a loan contract and cooperate with the bank staff to handle the mortgage loan procedures; After going through the relevant procedures, everyone can get a loan credit; After obtaining the credit, you can get the loan at any time through online banking and mobile banking.
The application conditions of online mortgage loan are as follows: the borrower should be over 20 years old and not over 65 years old; The entity currently operating is the legal representative of the entity or a shareholder holding more than 20% of the shares; Personal credit is good, and there is no record of non-performing loans in the past.