The sources of personal mortgage applications are as follows:
1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;
2. The sum of the applicant's age and the loan period shall not exceed 70;
3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;
4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;
5. There is a valid guarantee recognized by the handling bank;
6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;
7. It's time to meet the requirements set by the bank and let him search.
Lenders may inspect and supervise the use of loans as agreed. The borrower shall regularly provide relevant financial and accounting statements or other materials to the lender as agreed.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other loan funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
The emergence of loan risk often begins at the stage of loan review. Based on the disputes in judicial practice, we can see that the risks in the loan review stage mainly appear in the following links. The content of the review omits the loan examiners of the bank, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
laws and regulations
People's Republic of China (PRC) Civil Code
Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.
If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.
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