1. The borrower's valid ID card and household registration book; 2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. Real estate title certificate; 6. Guarantor (ID card, household registration book, marriage certificate, etc. ) Remarks: 1. Loans can only be made with collateral, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; 4. Age limit of the borrower: the age loan period for men shall not exceed 60 years, and the age loan period for women shall not exceed 55 years; 5. Customers blacklisted in the credit information system cannot apply for loans; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan. Process: 1. Apply for a loan from the bank. 2. After the acceptance of the bank, evaluate the value of the mortgaged property, and verify the loan amount according to the evaluation value. 3. Open a personal current deposit account and sign a loan contract. 4. Apply for real estate mortgage registration; 5. Bank loans
2. What are the conditions for China Bank's e-loan mortgage loan?
The target customers of BOC e-loan "mortgage loan" are small and micro enterprises that meet the requirements of BOC. To apply for "mortgage loan" products, all the following conditions must be met:
1. The borrowing enterprise is a country approved and registered by the State Administration for Industry and Commerce.
2. The enterprise and its legal person are good;
3. The high-quality real estate mortgage that meets the requirements of the bank owned by the borrowing enterprise and its legal representative, actual controller and shareholders;
4. Other credit conditions required by China Bank.
The above contents are for your reference. Please refer to the actual business regulations.
If in doubt, please consult the APP of China Yin Ji Bank to handle related business.
3. What are the conditions for BOC's e-loan mortgage loan?
To apply for "mortgage loan" products, BOC e-loan must meet all the following conditions: 1. The borrowing enterprise is a national standard small and micro enterprise approved and registered by the State Administration for Industry and Commerce. 2. The credit status of the enterprise and its legal representative is good. 3. The high-quality real estate mortgage owned by the borrowing enterprise, its legal representative, actual controller and shareholders that meets the requirements of BOC. 4. Other credit conditions required by China Bank. The above contents are for your reference. Please refer to the actual business regulations.