Personal loans, housing loans, banks need to assess developers, different banking policies are different, but it is necessary to query all kinds of information of lenders, which can effectively reduce the bad debt rate and improve the income and efficiency of funds.

I. Application Process of Personal Loan

Conditions for applying for personal loans:

First, full of power; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, credit history.

Fourth, it can provide bank approval.

Fifth, other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer goes to the law firm entrusted by the bank to apply for mortgage, including submitting personal data, paying various fees and filling out legal documents.

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal notarization and mortgage registration of collateral;

5. Loan issuance: the enterprise opens an account and informs the customer to start mortgage payment.

Second, personal loans should pay attention to the problem

1. Personal loans should have a clear purpose and should comply with the provisions of laws, regulations and relevant national policies. The transaction background is true, and the transaction background and loan purpose shall not be fabricated;

2, the use of personal loans should follow the principle of good faith, in line with the purpose of the loan contract, according to the current provisions of the state, the loan funds shall not illegally enter other areas prohibited by the state;

3, loans to buy housing, should comply with the current provisions of the state, it is forbidden to use consumer loans for the purchase of housing.

Second, what is the operating process of personal loans to buy a house and issue loans?

What is the operation process of personal loan to buy a house and issue loans? The specific process is as follows: borrower's application → pre-loan investigation → approval → signing loan contract → handling insurance, notarization, guarantee and other procedures → issuing loan → data filing → post-loan management → repayment of loan → settlement of mortgage. (a) the borrower applies for the borrower to apply for personal housing loans, and the house purchased must be an existing house or an auction house with a multi-storey main structure with a total investment of more than two thirds completed by the senior management. Require the borrower to fill in the personal housing loan form and provide the following information: 1, proof of the borrower's identity (resident ID card, household registration book or other valid proof of residence); 2. Proof of marital status (marriage certificate or husband-wife relationship certificate issued by the marriage registration authority for the married, and unmarried certificate for the unmarried); 3. A down payment certificate of not less than 30% of the house price; However, if the first set of self-occupied housing is purchased, and the Taoxing area is 90 square meters or less, the down payment ratio shall not be less than 20%; The down payment ratio for purchasing commercial facades shall not be less than 40%. 4. A legally binding commercial housing sales contract uniformly printed by the real estate administrative department; 5. * * * Proof that the owner agrees to use the purchased house as collateral; 6. Proof of the borrower's family property and economic income. If it belongs to the borrower's family members, all parties shall sign a confirmation letter of repayment responsibility, making it clear that one party is unable to repay and the other party will continue to bear the repayment responsibility. (2) Accept and investigate the above information received by the credit department, investigate the authenticity of the information and the borrower's ability to repay the principal and interest of the loan, and determine the amount and term of the loan. The main contents of the investigation include: 1, whether the down payment is fully deposited into the special account for selling houses opened in the credit union; 2. Whether the house price is reasonable and comparable to the market price of similar local properties; 3. Whether the loan term plus the borrower's age is over 60 years old; 4. Whether the mortgage guarantee is sufficient and effective, whether anyone has issued a legal document agreeing to mortgage, and if necessary, ask the borrower to provide a real estate appraisal report and other rights certificates. (3) The loan review, approval, and loan review departments focus on: 1, the authenticity of the house purchase behavior, and prevent the borrower and the developer from colluding to defraud the bank loan; 2. Whether the price of the purchased house is equivalent to the local market price of similar real estate, and if necessary, an institution with real estate appraisal qualification can be entrusted for evaluation; 3.* * * Whether anyone has issued a written legal opinion agreeing to mortgage; 4. The borrower's ability to repay the loan principal and interest; After review by the loan review department, the loan amount and duration can be proposed, and individual housing loan contracts can be signed with borrowers and developers, which can be directly reported to the authorized approver for approval. When signing a loan contract, the agent bank should take the initiative to explain the terms of the contract to the borrower and guarantor. The borrower can only issue the loan after completing the formalities of home insurance, notarization and mortgage pre-registration. When the loan is issued, the loan officer fills in the loan slip, and the borrower signs it or confirms it by fingerprint. At the same time, the borrower signs the authorization of transfer and deduction, and the credit union directly transfers the money to the special account for selling houses opened by the developer in the credit union, and informs the borrower that the loan has been issued, and the developer issues a receipt.

Third, what is the process of buying a house loan?

Borrower's application → pre-loan investigation → examination and approval → signing loan contract → handling insurance, notarization, guarantee and other procedures → issuing loan → filing data → post-loan management → repaying loan → paying off mortgage.

1, select real estate

If buyers want to get mortgage services, they should focus on this aspect when choosing real estate. When buyers learn that some projects can apply for mortgage loans in advertisements or through the introduction of sales staff, they should further confirm whether the real estate developed and built by developers has won the support of banks to ensure the smooth acquisition of mortgage loans.

2. Apply for a mortgage loan.

After confirming that the property you choose has bank mortgage support, the buyer should know about the bank's regulations on obtaining mortgage loan support, prepare relevant legal documents and fill in the mortgage loan application form.

3. Sign a house purchase contract

After receiving the relevant legal documents of mortgage application submitted by the purchaser, the bank will issue a loan consent notice or a mortgage commitment letter to the purchaser after confirming that the purchaser meets the mortgage loan conditions. Property buyers can sign the "Pre-sale Sales Contract of Commercial Housing" with developers or their agents.

4. Sign a house mortgage contract.

After signing the house purchase contract and obtaining the payment voucher, the purchaser signs the house mortgage loan contract with the developer and the bank with the relevant legal documents stipulated by the bank, stipulating the amount, term, interest rate, repayment method and other rights and obligations of the mortgage loan.

5. Apply for mortgage registration and insurance.

Property buyers, developers and banks hold mortgage loan contracts and purchase contracts to the real estate management department for mortgage registration and filing procedures. If the house is delivered in advance, the mortgage registration shall be changed after completion. Under normal circumstances, due to the relatively long term of mortgage loans, banks require buyers to apply for personal and property insurance to prevent loan risks.

Property buyers should list the bank as the first beneficiary when purchasing insurance, and the insurance shall not be interrupted during the loan performance, and the insurance amount shall not be less than the total value of the collateral. The policy was handed over to the bank before the principal and interest of the loan were paid off.

6. Open a special repayment account

After the house mortgage loan contract is signed, the buyer opens a special repayment account in the financial institution designated by the bank according to the contract, and signs a power of attorney to authorize the institution to pay the loan principal and interest and arrears related to the mortgage loan contract from this account. The bank is confirming that the buyers meet the mortgage loan conditions and fulfill the obligations stipulated in the building mortgage loan contract.

After handling the relevant formalities, the loan will be transferred to the bank supervision account opened by the developer in the bank as the purchase money of the purchaser.

Matters needing attention

1. Materials to be provided for mortgage loan: 3 copies of the ID card of the applicant and spouse, and the original and copy of the household registration book (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

Original purchase agreement. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc. The developer's collection account number is 1.

2. When the bank evaluates the repayment period of the mortgage for the borrower, it first takes its age as the basis. Generally speaking, under the premise of meeting the loan conditions, the younger the age, the longer the loan period, and the older the age, the shorter the loan period. Under normal circumstances, "the lender's age loan period does not exceed 65 years" is the loan period that the bank can handle for it.

3. The age of the loan house

When a lender buys a property, the "age" of the purchased property will determine how many years he can borrow. According to the regulations of the bank, it is easier to get a loan for a property with a newer room.

For example, the second-hand houses with a construction period of 10 years have good conditions in all aspects, and banks are willing to speed up the approval of housing loans with this period. However, in the 1970s and 1980s, second-hand houses were relatively old, and the loan risks controlled by banks were relatively high, so banks were very cautious in approving loans for such houses.