Then the applicant waits for CCB to investigate and review the credit status and materials, and sign a loan contract with the bank after the approval.
Applicants who have passed the audit of CCB sign a loan contract with CCB, and sign a mortgage contract, a pledge contract and a guarantee contract according to the loan guarantee method.
4 notarize the contract, and cooperate with the bank to handle mortgage registration and other related procedures if mortgage guarantee is needed. According to the provisions of the Construction Bank, handle the formalities of real estate insurance, mortgage registration or contract notarization.
CCB issues the loan according to the contract, and the bank transfers the money to the designated account, and the loan is completed.
Extended data:
Letter of credit clause
1. A natural person aged 20-55 with full capacity for civil conduct; Have a local permanent residence or long-term residence certificate and a fixed residence.
2. Have a stable and legal income source, have the ability to repay the principal and interest of the loan on schedule, and the annual household income of the borrower is more than 20,000 yuan; The credit rating assessed or recognized by China Construction Bank is BBB or above.
3. It has a good reputation in the personal credit information system of the People's Bank of China and has no bad credit record.
4. High-quality individual housing loan/provident fund loan customers must meet the following conditions:
(1) The repayment has been normal for more than two years, and there has never been any record of personal loan default or other default in our bank.
(2) The current loan balance is less than 50% of the contract amount of the housing purchased by the loan; The mortgaged house has been registered as a mortgage, and the certificate of other rights has been obtained.
(3) The ratio of the borrower's current monthly housing loan expenditure to monthly income is not higher than 50%.
5. The deposit of high-quality provident fund to customers must meet the following conditions at the same time:
(1) The unit provident fund is collected in the bank, and the unit has been admitted to CCB.
(2) The normal and full deposit period of the provident fund in CCB is more than two years (inclusive).
6. There has never been any record of personal loan default or other default in CCB.
7. The employees who pay their wages with high quality in the form of stocks shall meet the following conditions at the same time:
(1) The agency that pays wages has signed an agreement with China Construction Bank to pay wages on a commission basis, which has been recognized by China Construction Bank.
(2) Regular employees who have worked in this unit for two years. The definition of "regular employee" is based on signing a long-term labor contract with the unit, and the unit pays wages on time, which is the basic principle of on-the-job employees.
(3) The wage account has sufficient and stable repayment funds. The monthly average wage income of wage account, including personal basic salary and performance bonus, is defined according to the wage payment policy of employees in different units.
8. Other loan conditions required by CCB.
If the loan term of the borrower is less than one year (inclusive), you can choose repayment methods such as matching principal and interest, average capital, arbitrary monthly interest payment, and lump-sum interest payment at maturity; If the loan term exceeds 65,438+0 years, you can choose to repay the principal and interest on a monthly basis.