I. Business Development Stage of Marketing Department:

1. The marketing personnel go out to exhibit business, and after they get the wealth management business, they hand it over to the department manager.

(1) After registration, the department manager shall submit it to the personnel in charge of fund registration in the Finance Department for relevant registration.

(2) Then, after receiving the corresponding loan fund demand, the Finance Department conducts docking and matching.

(3) The manager of the finance department arranges relevant business personnel to pay a return visit for maintenance in the future.

2. Marketing personnel go out to exhibit business, and after obtaining the financing loan business, hand it over to the department manager.

(1) After registration, the department manager shall submit it to the business receiver of the Guarantee Department for relevant registration.

(2) The business receiver shall contact the financing customer according to the information provided by the marketing department and submit relevant materials for preliminary examination.

(3) The manager of the guarantee department arranges relevant personnel to take the financing clients to the Housing Authority to check the files.

(4) At the same time, issue a capital demand form and go to the finance department to find capital docking.

Two. Guarantee contract signing stage:

(1) The Guarantee Department shall submit it to the Risk Control Department for retrial after passing the preliminary examination. After receiving the order, the risk control department will go to the financing customer for on-site assessment and issue a risk assessment report to the general manager for review.

(2) After the approval of the review meeting, the general manager arranges the guarantee department to draft the guarantee contract.

(3) At the same time, the manager of the guarantee department informs the cooperative asset appraisal company to evaluate the asset value of the collateral of the financing customer and issue an appraisal report.

(4) After receiving the appraisal report of the appraisal company, the Guarantee Department shall notify the Finance Department to arrange for the wealth management customers and financing customers to sign loan contracts, mortgage contracts and related documents.

Three. Handle mortgage registration and notarization registration.

(1) The manager of the guarantee department arranges relevant salesmen to lead the financing clients to the mortgage department of the Housing Authority for mortgage registration.

(2) Then go to the notary office to handle the notarization of real estate mortgage loan, and entrust the compulsory notarization.

Four. Loan and post-loan management

(1) The wealth management department arranges the wealth management customer to lend money to the financing customer's account, and keeps the transfer voucher.

(2) After receiving the funds, the financing customers and relevant personnel of the Guarantee Department shall pay the relevant expenses to the Finance Department.

(3) After receiving the call from the notary office and the Housing Authority requesting the issuance of other warrants, the Finance Department will retrieve the vouchers together with the wealth management customers and copy them for retention.

(4) The Finance Department and the Guarantee Department shall hand over the relevant contract documents to the archivist for safekeeping.

(5) Finally, track and manage all asset guarantees after lending, so that the financing customers can repay the principal and interest on schedule.

(6) After receiving the principal and interest, the wealth management customer takes other warrants to the Housing Authority to decompress, and the financing customer receives the real estate license, and the procedure is over.

Generally, private mortgage loans can get funds in 2 days, and the monthly interest rate is about 1 minute. Your house can borrow up to 200,000 yuan.