Age: male 22-60 years old, female 22-55 years old; You can apply with your ID card. Online application does not need to provide paper materials. At present, Xing 'an Loan+is only available in Fujian, Shanghai, Beijing and Zhuhai. The date of birth of the ID card should be at least 22 years old, the age of women should not exceed 55 years old, and the age of men should not exceed 60 years old. I want to authenticate my mobile phone number and bank card with my real name, and I want to take all the materials I have prepared for mortgage loan.

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Borrower: customers with assets such as mortgage, provident fund or real estate/automobile production;

Mortgage: the mortgage has been repaid for 6 months or more;

Provident fund: the social security/provident fund base is more than 2,000, and it is paid continuously for half a year (foreign household registration needs to be paid 1 year);

Real estate: it needs to be a 70-year-old commercial house, with a real estate value of more than 500,000 and a building age of less than 30 years, and the applicant's share of property rights is ≥ 50%;

Vehicle production: the vehicle is not mortgaged (that is, there is no transfer record), and the vehicle production belongs to the applicant.

Application materials:

Id card 1 piece;

② real-name registration system mobile phone number;

3 bank card;

(4) The original real estate license or immovable property certificate (provided by the real estate scheme); ⑤ Original motor vehicle registration certificate (provided by vehicle production plan).

Credit request

① Inquiry: ≤8 times in the last 3 months;

② Liabilities: the ratio of income to liabilities is ≤ 75%;

③ Overdue: the loan is not overdue at present, and the credit card is overdue at present within ≤ 1000 yuan;

4 overdue: there can be no 2 in the last six months, no 3 in the last year and no 4 in the last two years;

⑤ Loans and credit cards cannot be in bad debt, stopped payment, frozen or write-off.

Precautions:

(1) The borrower is not a related party or affiliated person of the Bank;

(2) The borrower's unit name and residential address are complete;

The borrower is not a student, a military organ or a public security system;

(4) The borrower's name, ID card and mobile phone number must all be himself; ⑤ The mobile phone number of the borrower is different from that of the contact person, and it cannot be a couple number;

⑥ The total amount of self-owned credit and secured credit of the borrower in the bank is ≤ 2.7 million;

⑦ The borrower does not have multiple loans and multiple credit card loans in several banking institutions;

(8) Avoid serious historical overdue, huge overdue or continuous overdue in the borrower's credit investigation.