First, in fact, there is a rich and easy loan in Fumin Bank, which is an operating loan open to enterprise users, with a maximum loan amount of 300,000. The applicant must be the legal representative of the enterprise (who has served for more than 2 years) or a shareholder who has held more than 30% of the shares in the past year. The enterprise has been established for more than 2 years and does not belong to the production ban industry. The enterprise is a VAT taxpayer, and it can apply if it meets the conditions such as special tax rules and special credit rules.
Two, the loan vehicle must have a mortgage registration certificate.
And submit the following documents, purchase contract, agreement or other documents to the bank. The borrower shall hand over the title certificate, insurance policy or securities of the mortgaged property to the bank for safekeeping. Mortgage loan process
1. Bank's loan application to the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Review the appraisal report, agreement and related materials of the mortgaged property.
2. The borrower should fill in the Application for Mortgage of Residential House before the loan: the borrower's fixed income certificate issued by the borrower's unit; Other documents or materials required by the lending bank; Housing purchase and construction contract; Credit certificates, appraisal certificates and insurance documents such as the business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower.
Third, the principle of loan.
The "three principles" refer to safety, liquidity and efficiency, and are the basic principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should follow the principles of safety, liquidity and effectiveness. Operating principles, self-management, at your own risk, self-financing, self-discipline. "
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, issuing long-term loans, the interest rate is higher than short-term loans, and the income is good. However, if the loan term is longer, the risk will increase, the safety will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that the loan will not go wrong.