Yes, it will definitely be electrified. Procedures and steps of commercial loans for individual housing. The basic conditions of commercial housing mortgage loan: the borrower has a stable occupation and income, good credit and the ability to repay the principal and interest of the loan; The purchased house is located in a town (including urban area, county town and big market town), and in principle it is the borrower's current residence or place of work and business; , has signed the Commercial Housing Sales Contract with the developer, and has paid the down payment ratio stipulated by the bank according to the personal credit situation, with a minimum of more than 30%; The loan amount is determined according to the borrower's credit status, occupation, education level, repayment ability, liquidity of the purchased house and other factors. Agree to apply for mortgage registration of pre-purchased commercial housing first, and promise to use the purchased housing as loan mortgage, and re-apply for mortgage registration after the purchased housing is completed and the property certificate is obtained; Two, must provide information, the applicant and spouse's identity card, residence booklet and three copies of the original (if the applicant and spouse do not belong to the same account, you need to attach a marriage certificate); Commercial housing sales contract signed by the purchaser and the company; 65,438+0 copies of the original and photocopy of the advance payment receipt for 30% or more of the house price; Proof of income of the purchaser (provided by the bank and placed in the sales office); If the borrower is a legal person, it shall carry a valid Business License for Enterprise Legal Person or Business License for 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 certificate that the board of directors agrees to mortgage; 1 developer's collection account.
Will you call my contact when applying for a loan (will you call my contact when applying for a mobile loan)?
1. Will the loan contact call?
2. Will you call your contact person when applying for a loan?
3. Will the bank loan call the contact person?
4. Under what circumstances will the loan company call the contact person?
1. If the applicant applies for a loan from a regular lending institution, the lending institution will ask the borrower to provide the phone number of the loan contact person and will also verify it.
2. In other words, both banks and formal financial institutions have procedures for confirming contact, and even have guarantors.
3. If the applicant applies for a loan from the company, the offline approved loan company will call to confirm whether the borrower's emergency contact person is randomly filled in.
4. There is no offline loan company, and only when it is overdue will you call the emergency contact person.
However, for those who don't pay the loan, their loan contact person will receive a phone call.
6. Regardless of whether the lending institution is a formal company or not, when the borrower is overdue, the lending institution will call the loan contact person.
Will the loan review call?
Many loan applicants are very concerned about whether they will call during the loan review, because most loan applicants do not want the lending institution to contact their family, friends or companies, and do not want the privacy of the loan to be known. So will the loan review call? Let's talk to you here.
The loan review process of each lending institution is different, and different types of lending institutions have different operations for telephone review.
explicitly
1. Banks, including over-the-counter bank loans and bank-owned apps, have higher requirements for applicants and a relatively complete review process. Generally, I will call back to confirm whether the lender's information is accurate and whether there is a willingness to repay.
Second, APP, most institutions will not call back, especially now that loan apps are competing for lending speed. In order to speed up the review process, most institutions will choose to avoid telephone return visits. However, as far as applicants are concerned, users with good credit qualifications are often not called back, while customers with poor credit qualifications may be called back in order to understand the specific repayment ability of applicants.
Third, online lending, in previous years, online lending generally required a telephone call back. However, with the popularity of loan approval, many online loans began to speed up the review in order not to be eliminated. Telephone return visits are also optional, and some applicants with average credit are selected for telephone return visits.
Warm reminder
Once the lender has overdue behavior, the lending institution will immediately contact itself, its contacts and the company to urge repayment, so for the sake of personal reputation and credit, everyone should not have overdue behavior.
Does the ABC loan need telephone audit?
Need.
The loan is manually reviewed, and there is a certain chance that you will call. If the loan product audit mechanism is telephone audit, then the manual customer service will call the applicant for telephone audit. Moreover, the audit mechanism does not need telephone audit, so the manual customer service will not call for telephone audit. Of course, some loan products are spot-checked, and users drawn at this time will encounter telephone audit.
When users encounter telephone audit, as long as they answer questions carefully and speak coherently, telephone audit will not affect the loan audit results.
Will the mortgage bank call the unit to verify?
After the borrower applies for a mortgage, the bank can call the borrower's unit during the audit. Banks usually select some people from the audit list to call their work units for a return visit to verify whether the information submitted by borrowers is true.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 680 usury is prohibited and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Will the mortgage bank call to check the on-the-job income certificate?
The general mortgage bank will call to check the on-the-job income certificate.
The relevant contents of the return visit are generally as follows:
1. Call back mainly asks: work information, work unit, monthly salary, working years, home address, etc. , pay attention to truthfully answer;
2. In addition, the bank will also call the company's landline to pay attention to the company's answering the phone;
3. The purpose of the bank telephone call back is to confirm the authenticity of the information submitted by the borrower.
Note: If you don't receive a return call, some banks will make a second call, but you need to take the initiative to contact the bank to explain the situation, otherwise your loan progress will be affected.
Extended data
1. Borrower's pre-loan consultation: Fill in the Application for Mortgage of Residential Houses and submit the following supporting materials to the bank:
First, the borrower's fixed income certificate issued by the borrower's unit (the bank will check it);
Two, the loan guarantor's business license and legal person certificate and other credit documents;
3. The borrower has a legal and valid identity certificate; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law;
Iv. Appraisal report, appraisal certificate and insurance certificate of the mortgaged property;
Five, the purchase and construction of housing contracts, agreements or other documents; Other documents or materials required by the lending bank.
2. The bank examines the borrower's loan application, purchase contract, agreement and related materials.
3. The borrower shall hand over the title certificate, insurance policy or securities of the collateral to the bank for safekeeping.
4. The borrower and the guarantor of both parties sign the housing mortgage loan contract and notarize it.
5. After the loan contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the selling unit or building unit specified in the purchase contract or agreement.