What is the phone number for Bank of China mortgage loan inquiry?
Bank of China mortgage inquiry hotline: 400-669-5566
Mortgage process: 1. Determine the loan bank: Before the borrower applies for a loan, the bank needs to provide personal home purchase loans The real estate is reviewed. The real estate review operation process is developer application → project investigation → review and approval → signing of project cooperation agreement → post-loan supervision.
2. Apply for a loan and submit materials: Within seven days from the date of payment of the down payment, the home buyer shall provide materials that meet the requirements of the mortgage bank, directly apply for a mortgage loan to the developer's cooperative bank, and fill out the "Mortgage Loan Application" Book".
3. Bank acceptance and review: After the bank receives the materials, it will investigate the authenticity of the materials and the borrower's ability to repay the principal and interest of the loan, and determine whether to lend or not, and the amount and term of the loan. The main contents of the review include: the authenticity of the house purchase, whether the house price is reasonable, the borrower's ability to repay the principal and interest of the loan, and whether the mortgage guarantee is sufficient and effective.
4. Sign a loan contract: After review, the loan review department will propose the loan amount and term, sign a "Personal House Purchase Loan Contract" with the borrower and developer, and submit it directly to the authorized approver for approval.
5. Handle mortgage (pledge) registration, insurance, notarization and other procedures.
6. Bank approval and loan disbursement: The bank can only issue a loan after the borrower has completed the house insurance, notarization and mortgage pre-registration procedures.
7. Repay on schedule: As long as the borrower leaves a sufficient amount of repayment in each installment in his deposit account or bank card every month, the lending bank will automatically deduct it from the borrower's account, and all the repayments will be paid when due. settle.
8. The repayment is completed and the mortgage cancellation registration is processed.
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Things to note when applying for a mortgage
1. Good personal credit record:
Personal credit record is very important. If you have continuous If you have a past due record of six months in three months, then basically the bank will not lend you a loan.
2. Income certificate:
The income certificate must cover twice the debt in the personal name. The month of bank turnover needs to be issued in accordance with the requirements of the specific bank.
3. Keep the house purchase invoices:
The invoices for buying a house with a loan include down payment invoices and loan invoices. If you buy an existing house, you need to pay the tax with these two invoices; if you buy an off-plan house and there is a difference in area, the developer will usually issue a new down payment invoice and recycle the previous invoice. If you accidentally lose the down payment invoice, the developer will not replace it, and the home buyer will also need to go through the procedures for losing the invoice, because there is no way to replace the invoice.
4. Provident Fund Loans:
It should be noted that provident fund loans need to be paid in full for 12 consecutive months and are still being paid before applying for a loan. Compared with commercial loans, provident fund loans take longer.
What is the customer service telephone number for credit loans?
Rural Credit Cooperatives: 96596
The credit loan telephone numbers of each bank are different. Only rural credit cooperatives have a unified telephone number. , although rural credit cooperatives do not have a dedicated loan hotline, users can call the national unified customer service hotline 96596 opened by rural credit cooperatives for consultation. After getting through the customer service phone number, you can directly transfer the 0-key manual service to inquire about the questions you want to ask, or you can also log in to the official website of the Rural Credit Cooperative to view it.
Here are the credit loan telephone numbers of other banks
1. The credit loan telephone number of Ping An Bank is 95511, which is the national unified telephone number
2. : 0538-8611-9289, is a quick loan diversion app developed and operated by Guangdong Jixiang Technology Co., Ltd.
3, China Merchants Bank 800-820-5555
4, Bank of China 800- 820-5288
5, China Construction Bank 800-820-0588
6, Agricultural Bank of China 800-819-5599
7, Bank of Communications 800-988 -8888
8, China CITIC Bank 800-999-5558
9, China Minsheng Bank 800-810-8008
10, Pudong Development Bank 800-820- 8788
The following are the national common telephone numbers
11, Industrial Bank 95561
12, Industrial and Commercial Bank of China 95588
13, Bank of China 95566
14, China Construction Bank 95533
15, Industrial and Commercial Bank of China 95588
16, China CITIC Bank 95558
17, Agricultural Bank of China 95599
p>18, Minsheng Bank 95568
19, China Everbright Bank 95595
20, Bank of Communications 95559
21, China Guangfa Bank 95508
22, Shanghai Pudong Development Bank 95528
23, Shenzhen Development Bank 95501
24, Huaxia Bank 95577
25, Industrial Bank 95561
How to buy the number of a loan customer from an operator?
To buy the number of a loan customer from an operator, go to the business manager. With the popularization of big data technology, operators have as many as 1.2 billion users, and they have a very clear understanding of their daily behaviors, such as what pages they search for and what apps they browse. If a user recently browsed a page related to decoration, we It is understandable that he has decoration needs and is a potential decoration customer. Then target this tired customer, place decoration operator advertisements, and obtain the phone number with the customer's authorization.