The loan guarantor is as follows: 1, and the guarantor must be between 18-65 years old and have full civil capacity; 2. The legal and valid identity certificate of the guarantor; 3. Have a stable source of income and the ability to repay in full and on time; 4. Have a good credit record. Process: 1. The borrower's valid identity card and household registration book; 2. Marriage certificates of the borrower and the borrower's wife; 3. The borrower's income certificate and bank flow; 5. Real estate title certificate; 6. The guarantor shall provide the household registration book and its valid identity documents; 7. Proof of the second residence (after auctioning the borrower's house, the borrower must have a residence) 8. The borrower shall provide collateral before applying for a loan, and the sum of the loan amount and the interest during the loan period shall not exceed half of the assessed value of the collateral; 9. The borrower has long-term stable funds to pay the monthly loan principal and interest; 10. The guarantor needs to bear the mortgage registration fee and real estate appraisal fee when applying for a loan. The loan approval time takes about 30 days;
What is the specific process of bank-guaranteed loans?
Secured loan means that when the borrower fails to provide the mortgaged (pledged) property in full, the third party recognized by the lender shall provide joint liability guarantee. Secured loans include mortgage loans, mortgage loans. The secured loan process is as follows:
1. Application: The enterprise applies for loan guarantee.
2. Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
3. Communication: communicate with the lending bank to further grasp the enterprise information provided by the bank and clarify the amount and term of the loan to be granted by the bank.
4. Guarantee: evaluate the guarantee and counter-guarantee agreement signed with the enterprise.
5. Lending: On the basis of reviewing the guarantee, the bank issues loans to enterprises and collects guarantee fees from enterprises.
6. Tracking: Tracking the loan use and operation of enterprises.
7. Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can be prepared to repay the loan in advance and ensure the normal operation of the enterprise's capital flow.
8. Dissolution: With the repayment form of the enterprise bank, the mortgage registration is cancelled, and the guarantee relationship with the bank and enterprise is cancelled.
9. Record: Record the credit status of this guarantee, which is divided into four grades: normal, abnormal, overdue and bad debts, and provide credit records for subsequent guarantees.
10. Archive.
legal ground
Article 9 of the General Principles of Loans: Credit loans, secured loans and bill discounting:
Credit loan refers to the loan issued by the borrower's credit.
Secured loans refer to secured loans, mortgage loans,
Guaranteed loan refers to the promise made by a third party when the borrower fails to repay the loan by the guarantee method stipulated in the Guarantee Law of People's Republic of China (PRC). Loans issued with general guarantee liability or joint liability as agreed.
Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC).
, refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC).
Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.
Ping An Lease Loan Procedure Guarantor Procedure
Application process
1. Enterprises apply for loan guarantee.
2. Investigate the operation, financial status, tax payment, mortgaged assets, credit status and business owners of the enterprise, and preliminarily determine whether to guarantee.
3, according to the project review results, according to the decision-making procedure to make decisions.
4. Decide to underwrite the project and implement counter-guarantee measures.
5. Sign the entrustment guarantee contract, counter-guarantee contract, guarantee contract and related agreements.
6. Track and supervise insurance projects.
7. Release the guarantee responsibility.