I. Basic information of the borrower:
1.18-a natural person with full capacity at the age of 65.
2. Have a valid identity certificate, household registration book and proof of marital status.
3. Have a good credit record and willingness to repay.
4 have a stable source of income and the ability to repay all loan principal and interest in full and on time. The borrower's total monthly liabilities shall not exceed 50% of his monthly income.
5. The purpose of the loan is clear, in line with national laws, regulations and relevant policies, and the promised funds shall not flow into securities, futures, real estate project development, etc.
6. It can provide legal, effective and reliable house mortgage recognized by the lender.
7. Open a personal settlement account with our bank.
Second, the purpose of the loan:
It can be used for legitimate purposes such as house purchase, car purchase, consumption and business operation.
Third, loan guarantee.
The mortgaged house of personal housing mortgage loan must be the house, commercial house and dual-use house under the name of the borrower (including spouse), and the house ownership certificate has been obtained. The age of the mortgaged house shall not exceed 20 years in principle. If the mortgaged property is owned by * * *, a written certificate that the owner of * * * agrees to mortgage shall be provided.
Four. The mortgaged real estate shall be appraised and priced by the appraisal company on the access list of individual credit cooperative institutions determined by tier-one branches.
Five, the maximum loan amount does not exceed 70% of the value of the mortgaged property.
Six, the lender and the mortgagor to the real estate registration authority where the real estate is located for mortgage registration, and get the house ownership certificate.
Seven, personal housing mortgage loan period shall not exceed 20 years, of which, in addition to the purchase of housing, the period shall not exceed 10 years. The sum of the borrower's age and the loan term shall not exceed 65 years.
8. The loan interest rate is implemented according to the interest rate of the People's Bank of China at the same time and at the same level, which can be increased by 65,438+00-30%.
9. Repayment method: equal monthly principal and interest, average monthly principal, 1 year to repay the due principal in one lump sum.
X within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date.
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Information required for loan application:
1. Loan application form filled out by the borrower (provided by the bank)
2. The original and photocopy of the limited production certificate, household registration book and marriage certificate of the borrower and spouse.
3. Personal income certificate: tax payment certificate, salary certificate, investment income certificate, operating details of financial assets within 6 months, etc.
4. Certificate or statement of loan use
5. Proof of ownership of mortgaged property: (including original real estate license, land certificate and evaluation report)
6. The lender conducts a double interview to understand the customer's situation, and the borrower signs the Notice to the Customer.
7. Understand the customer's special concern about the information system (basic information database of the People's Bank of China) to judge whether the borrower's credit status is good.
8. The lender shall go to the site to verify whether the collateral is true, legal and effective. Whether it is consistent with the contents recorded by the registration authority.
9. After the investigation, the lending bank will report the loan information to the credit approval department of the branch for approval.
10. The approver should analyze the risk factors and degree of the loan, check whether the investigation opinions of the investigators of the loan bank are objective, and sign the examination opinions.
1 1. After returning to the loan bank, the approver (president) will decide whether to grant the loan according to the operation of its branch and sign the approval opinions. The loan approver shall not agree to issue the loan rejected by the loan approver.
12. After the loan is approved, the credit management department shall supervise the loan operation. Eligible, agree to the loan bank to issue loans.
13. The personal loan account manager reports to the department, the accounting department rechecks and issues the electronic loan voucher, and the personal loan department informs the customer to sign the loan receipt on site (signed by the borrower, the account manager and the competent vice president).
14. The accounting department informed the non-cash counter staff in the business hall to issue loans to the designated loan account.
Finally finished. There may be typos. Sorry, I hope I can help you.