First, housing loans.
Proof materials required for application
1, identification
2. proof of income (the bank has been operating for the past three months. )
3. Work certificate (labor contract or work certificate with official seal of the company)
4. Property right certificate (red copy provides a copy of the property right certificate; Mortgage contract and repayment record of the last three months)
Second, office workers' loans
1, identification
2. Work certificate (labor contract or work certificate with official seal of the company)
3. Proof of income (bank flow in the past three months)
4. Proof of address (rental contract and water and electricity bill for the last month)
Third, private owner loans.
1, identification
The income proves that the bank has been running for the past three months.
3. Proof of address (a copy of the real estate license is provided for the rental contract and the water and electricity bill of the last month; Mortgage contract and repayment record of the last three months)
4. A copy of the company's business license and tax registration certificate and the bank flow of the company's corporate account in the last six months; Office lease contract and water and electricity bill for the last month.
Fourth, college students with bachelor degree or above who want to start a business.
1. People who have worked in Hangzhou for less than one year can borrow up to 1 10,000 yuan.
2. Employees who have worked in Hangzhou for one year can borrow up to 20,000 yuan.
The procedure is very convenient.
You need to pay attention to skills when applying for personal loans from banks. Generally speaking, banks will conduct pre-loan review from the aspects of borrowers and their families, collateral or pledge, third-party guarantee, loan application and so on. Therefore, when applying for a loan from a bank, as long as you pay attention to the following aspects and make all the situations meet the requirements of the bank, applying for a loan will generally succeed. ?
1. The borrower and his family. Generally, the borrower should open an account with the loan bank. Provide the borrower's work unit, position and income. Explain that your spouse or family's high income can make the bank think that you have strong repayment ability. ?
2. Collateral or pledge. For collateral, it is necessary to provide proof of ownership of the collateral and the assessed value of the collateral; If the collateral is jointly owned by others, the power of attorney of the co-owner shall be provided. For collateral, it must be under the control of the lending bank. For example, if the certificate of deposit is pledged, the certificate of deposit provided must be issued by the lending bank. Banks generally don't accept certificates of deposit from other banks as collateral. ?
The third is the third-party guarantee (that is, the guarantor). If a natural person guarantees, it is necessary to provide the guarantor's certificate, household registration, monthly income, family loan and guarantee, and the relationship with the borrower. If it is guaranteed by a legal person, provide a copy of the legal person's business license, business scope, financial status, contact address and relationship with the borrower. ?
Fourth, the loan application. The loan amount applied for must be commensurate with the borrower's family income. In the case of equal monthly repayment, attention should be paid to the matching of loan term and loan amount, so that the ratio of monthly repayment amount to the monthly income of the borrower or his family is reasonable. If it is pledged, it should be noted that the loan term cannot exceed the maturity date of the pledged property; If there is a mortgage guarantee, the ratio of the amount of the loan applied for and the assessed value of the collateral shall comply with the provisions of the bank; If it is guaranteed by a third party, the loan amount should match the repayment ability of the guarantor. ?
In addition, (Hangzhou) Bank and China Ping An jointly launched the latest unsecured micro-loan with simple procedures.
1. China Ping An opens a new loan channel for you.
Ping An Easy Loan Insurance is a personal credit guarantee insurance product launched by China Ping An Property & Casualty. Tell every guest
Customers provide credit guarantee, thus helping customers to obtain unsecured micro-loans from banks quickly. policy holder
As a loan customer, the insurer is Ping An Property Insurance and the insured is a loan bank.
Desperate for cash flow? Buying a house and car for the first time? Home decoration? Personal study? Travel and leisure? . . . .
Loans are no longer thousands of miles away. Ping An Easy Loan provides diversified loan purposes to meet your needs and help you in all directions.
Enjoy life easily!
China Ping 'an Microfinance:
Low threshold-no guarantee, no mortgage
Fast approval-the procedure is simple, and the loan can be released as soon as the same day.
High amount-according to the borrower's income approval, the maximum amount can reach 7 times of monthly income.
Regular life-equal monthly repayment, with a maximum term of 2 years.
Ping An will provide you with the most professional loan service according to your needs. Open an unsecured loan for you
A new channel will share the credit risk of loans for you, making it easier for you to borrow and enjoy a relaxed life at any time!
2. Basic requirements of the applicant:
A having China nationality (excluding Hong Kong, Macao and Taiwan residents)
B, aged 2 1-55 years old.
C. working or living in the place of application.
D, have a stable occupation, with a monthly income of not less than 2,000 yuan.
E. Personal credit record is good.
Loan amount: 10000- 150000 yuan.
Loan term: 12-24.
I. Wage loan
Only need to work in Hangzhou, at least 2 1 year old. You can apply for a loan by providing your ID card, work certificate, income certificate and address certificate!
Second, the owner's loan.
The loan products tailored for the owners need no mortgage or guarantee. As long as you own a property or a mortgaged property, you can easily get a loan!
Third, private owner loans.
No mortgage, no guarantee, as long as you have a business license in Hangzhou for more than half a year and provide a copy of the business license and tax registration certificate, you can easily get a loan!
The loan bank shall review the information submitted by the individual loan, and report it to the municipal housing provident fund management center for review after passing the review. ?
After approval, the loan and the borrower sign a contract: if guarantee is selected, a secured loan contract and a counter-secured mortgage contract are required; If you choose mortgage guarantee, you need to sign a mortgage loan contract; If you choose the pledge guarantee method, you need to sign a pledge loan contract. ?
Guarantee process: if guarantee is selected, the guarantee company shall handle the counter-guarantee mortgage procedures; If mortgage guarantee is selected, the borrower shall go through mortgage insurance procedures; If the pledge guarantee is selected, the bank shall go through the pledge formalities. ?
Approval process: the housing provident fund management center approves the loan materials. ?
Transfer process: the borrower goes to the loan bank to handle the transfer procedures. ?
Materials that individuals need to submit to apply for provident fund housing loans:?
1. A copy of the applicant's ID card?
2. A copy of the applicant's household registration book (including the first page and the first page)?
3. The original income certificate of the applicant?
4. The original certificate of the applicant's provident fund deposit?
6. Original purchase contract and purchase down payment invoice?
Married people also need to provide a copy of the above materials and marriage certificate of their spouses.
7. A copy of the house sales license?
8. A copy of the land use certificate?
Procedures for handling provident fund housing loans:
1. The management center will review the application materials and sign a loan contract according to the loan approval form if it meets the loan conditions.
2. Go through the guarantee formalities with the guarantee company and sign the mortgage contract.
3. Sign the bank receipt and entrusted deduction agreement with the entrusting bank.
4. The management center entrusts the bank to transfer the loan funds to the account of the selling unit.
5. The guarantee company handles the mortgage registration formalities for the lender.