At present, the common loans are mortgage, credit loan, mortgage loan and car loan. The materials submitted by different loans are different. For example, the borrower must be 18 years old and have full capacity for civil conduct, and the user must have repayment ability; When applying for a loan, the borrower must have good credit information, which are the basic requirements of the loan.
If the lender has applied for a mortgage, the user also needs to submit the running water of the last six months, as well as the purchase contract and down payment certificate, as well as other loan conditions stipulated by the bank. It usually takes about 30 days to apply for a bank mortgage. If there is no reply for a long time, you can call the bank at this time. There are generally two repayment methods for mortgage, namely, matching principal and interest and average capital. Under the same loan conditions, the total interest of equal principal and interest repayment is higher than that of equal principal repayment.
However, during the epidemic, many banks have opened online business, without face-to-face counter signing, and bank APP remote video signing face to face. Specifically, ask the bank designated by the developer or the bank of your choice. If it is a first-hand house, in most cases it is a bank designated by the developer, and the bank also needs sales and profits, so developers generally do it for them. In this case, it is easier for everyone to communicate. If it is really not possible, you can negotiate with the bank and use the compliance authorization that meets the requirements.
However, whether it is online remote video face-to-face signing or counter face-to-face signing, the loan must be signed by myself. Imagine, is it possible that you lost your ID card and someone else took your ID card and information to get a loan? Therefore, in order to avoid this situation, you must be present in person and sign the loan in person.