It is better for Bank of Communications to handle mortgage. As long as the borrower's personal credit is good and meets the relevant conditions, such as Chinese mainland citizens aged 22-60, with full capacity for civil conduct; Have strong repayment will and good repayment ability; Have a proper occupation and a stable income; If you can provide certain collateral or guarantor, you can apply for a loan at Bank of Communications.

Of course, different types of loans need to meet different conditions. If the user is refused a loan at Bank of Communications, it may be that the user's personal credit situation is poor, the debt ratio is too high, the monthly income is too low, or the user's conditions do not meet the loan requirements. It is suggested that users can consult the staff of Bank of Communications to find out the specific reasons for the rejection of the loan, and then take certain measures to improve it according to the reasons, and then re-apply for the loan.

In short, as long as users meet the relevant conditions, it is relatively easy to get loans from Bank of Communications.

Second, how about the Bank of Communications mortgage?

Mortgage, how about Bank of Communications? Mortgage, Bank of Communications must be very good, and Bank of Communications is also a big bank in China.

Third, how about a loan from Bank of Communications?

no

Fourth, the bank mortgage loan to buy a house, the bank will definitely call the unit to verify?

Yes, it will definitely be electrified.

live alone

First, the basic conditions of commercial housing mortgage loans

1, the borrower has a stable occupation and income, good credit and does exist.

2. The purchased house is located in a town (including urban area, county town and big market town), and in principle it is a place for lending and business operation;

3. A commercial housing sales contract has been signed with the developer, and the down payment ratio stipulated by the bank has been paid according to the personal credit situation, with a minimum of more than 30%.

4. The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability and the liquidity of the purchased house.

5. Agree to handle the completion of the house purchased by the pre-buyer, obtain the real estate mortgage and re-register the mortgage;

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached);

2. The commercial housing sales contract signed by the purchaser and the company;

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price;

4, the purchase income certificate (provided by the bank, home

5. If the borrower is a legal person, it shall carry a valid business license of enterprise legal person or business license of enterprise legal person, identity certificate of legal representative, financial statements and loan card. If it is a joint-stock enterprise, it is also necessary to provide the company's technical articles of association and the mortgage agreed by the board of directors.

6. The developer's collection account number is 1 copy.