Can I borrow cash from a bank loan?

One,

2. Can I borrow cash to get a loan from the bank?

Yes, bank loans need to be made in advance. Personal loans include: personal housing loans, personal housing provident fund loans, personal car loans, personal study abroad loans, personal comprehensive consumption loans, personal production and operation loans, personal credit loans, and personal certificates of deposit (government bonds). These loans mainly apply for loans from credit loans and mortgage loans, and the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. Requirements for bank loans:

(1) permanent residence of urban residents who have full capacity for civil conduct and are under the age of 65, or a legal and valid identity card when they reach the age of 18 next year;

(2) pay the down payment;

(3) have a stable legal income and the ability to repay interest;

(4) When applying for loans, property buyers should have free funds of not less than 30% of the purchase price.

(5) The borrower agrees to use the purchased house and its rights and interests as collateral;

(6) The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the local government;

(7) The purchased house is not within the scope of the announcement.

(8) Other conditions required by the lending bank.

Loan amount: the loan amount is determined by the bank according to the borrower's credit status and the guarantee provided. With personal housing mortgage, the maximum loan amount shall not exceed 70% of the mortgaged property value; Where individual commercial housing is mortgaged, the maximum loan amount shall not exceed 60% of the value of the mortgaged property. Materials to be submitted when applying for a loan The borrower applies to the bank, fills in the application form in writing, and submits the following materials at the same time:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Proof of income or personal assets;

5. If mortgage loan is adopted, it is required to provide the house ownership certificate of the mortgaged house, the identity certificate of the owner of the mortgaged house (including the legal owner), the marital status certificate and the written certificate of consent to mortgage; And assess the value of collateral according to the regulations and provide assessment reports; If the mortgaged house is exempted from evaluation, relevant certification materials that meet the conditions for exemption from evaluation shall be provided, including the transaction contract or the latest evaluation report;

Consequences of not repaying the loan:

1. According to the loan contract and guarantee contract (mortgage or pledge contract), the lending bank will take measures such as property preservation, including freezing the deposits in all bank accounts of the loan guarantor and sealing up the pledged property. After the judgment is made, the property will be enforced according to law (auction collateral after deducting the deposit, etc.). ) to repay the bank's loan losses. Specifically, it includes: loan principal, loan interest, overdue interest, penalty interest, and all litigation costs arising therefrom, and related expenses incurred when disposing of pledged property.

2. Credit will be affected and will be recorded in the national bank credit information system, and loans under personal names will also be recorded in the national personal credit information system for overdue loans. If the lending bank does not eliminate the records, it may not be able to get all the bank loans in the future.

3. If you are not maliciously defaulting on the bank loan, and you are able to pay the interest on the normal loan, I suggest that you apply to the loan bank for an extension of the loan first, stating the willingness to repay, the fact that you have not repaid the loan for the time being and the plan for repayment in the future. Under normal circumstances, the bank will help.

Third, can bank loans be borrowed in cash?

No, most of them are transferred to the counterparty's card. Handwritten typing is not easy to answer. If you are satisfied, please accept your support. Good luck!

Can I borrow cash to get a loan from the bank?

Specific needs depend on personal qualifications.

Loan conditions of mortgage loan:

Have a legal status;

Have a stable economic income, have the ability to repay the loan principal and interest, and have no defects.

There is a legal and effective purchase contract;

If the newly purchased house is used as the maximum mortgage, it must have a legal and effective purchase contract and have paid a down payment of not less than 30% of the total price of the purchased house;

If the mortgage loan has been purchased, the original mortgage loan has been repaid for more than one year, the loan balance is less than 60% of the value of the mortgaged house, and the mortgaged house has obtained the property ownership certificate, and the age of the house is within 10 year;

Can provide effective guarantee recognized by the loan bank.

Other conditions stipulated by the lending bank.

Annual housing mortgage loan

Real estate mortgage loan process:

Loan account;

Information required for preparing loans;

Face to face bank;

Bank report

After the approval of the bank, notify the borrower to approve the contract;

Go to the Construction Committee for mortgage registration;

Construction Committee issued his right certificate;

Handle insurance, notarization and other formalities as appropriate;