First of all, log in to Alipay online business loan and enter the housing mortgage application entrance to apply. As for whether the application can be passed, it depends on the final approval result of the system.

Second, if approved, the system will comprehensively determine the loan amount granted to the user according to the value of the house mortgaged by the user, the mortgage rate and the solvency of the user.

Third, the system will lend money after the two parties sign the contract and complete the formalities.

If the online business loan has a housing loan, if you want to make a housing loan, you must first have a real estate. Because housing mortgage is based on the property (self-occupied housing, commercial and residential dual-use housing) under the name of an individual, it obtains a one-time or recycling loan for consumption or business purposes. If you need to apply, you must first have unsecured real estate, the borrower 18 years old or above, and have full civil capacity; Have a fixed residence, a stable source of economic income, the ability to repay the principal and interest of loans and good credit.

1. An individual/enterprise borrower applies for a loan from a credit cooperative with the house under his name as collateral. After the risk control audit, the credit union will publish loan information on the credit union website and APP to match borrowers and lenders and complete the loan. These products are mainly loan products for short-term needs of individuals/enterprises, 1-6 months.

2. "Housing mortgage loan" means that the borrower applies for a one-time or recycled RMB loan from the bank with the real estate (residence, commercial and residential dual-use house) in the name of a natural person as collateral for consumption or business.

Three. As bank loans, online business loans, small and micro enterprise loans and micro business loans, like other commercial banks, all need to inquire about PBOC's credit reports and fulfill their reporting obligations in strict accordance with PBOC's credit management norms. The records of online business loans, small and micro enterprise loans and small and micro enterprise loans will all be reflected in PBOC's credit report. So when you use it, you must repay it on time to avoid overdue.

Four, online business loans, micro-business loans, micro-business loans can be repaid in advance, in the normal use of loans, in addition to the interest costs agreed in the contract, do not charge any other fees.

Second, how to use Alipay's online merchant bank house to repay the loan?

How to use Alipay's online merchant bank to mortgage loans?

Prepare personal ID card, original real estate license, bank savings card and other materials first, then apply to Alipay, and wait for the loan after approval.

Third, the online merchant bank housing loan process

If the online merchant loan is mortgaged, it means that the user does not meet the application conditions for online merchant loan at present. If you need to apply, you must first have unsecured real estate, the borrower 18 years old or above, have a fixed residence, have a stable source of economic income, have the ability to repay the principal and interest of the loan, and have good credit.

Eligible users can log on to Alipay online for commercial loans. If the application for house purchase loan is successful, the system will comprehensively determine the loan amount granted to users according to the value of the house mortgaged by the user, the mortgage rate and the solvency of the user. After that, the system will lend money.

What materials do online merchants need to borrow from banks?

First, online merchants need identity materials such as marriage certificates to obtain loans.

Online banking has launched a real estate mortgage loan business, and users can apply for mortgage-related materials online.

To apply for housing mortgage loan, you need to provide personal ID card, household registration book, marriage certificate and other materials. These materials are the most basic materials for individuals, and every user needs to provide these materials. The borrower who provides personal loans is the same as the actual applicant, so as to avoid fraudulent loans.

Second, the online merchant bank's certificate of immovable property rights

Users who apply for housing mortgage loans need to use real estate as collateral, so users must provide real estate licenses before the real estate can be used for mortgage procedures.

The loan amount in mortgage loan is closely related to the real estate price. The evaluation of real estate price will be based on the area, lot, floor and completion year of the real estate. The real estate license provided by users is the most accurate source of this information, and the online merchant bank will verify and proofread the information on the real estate license.

Third, online merchants need to provide individuals with mortgage loans.

Online merchant banks also require income certificates to prove users' personal income, which determines users' mortgage loans.

Personal income certificate will comprehensively review the repayment ability of users according to their work units and income, and calculate the repayment ability of loan funds to users according to the repayment ability of mortgage loans.

Is the house loan approved by the online merchant a one-time loan?

You can pay it back in one lump sum, because if it is verified, it will be paid back with the loan.

1, there must be real estate, and only one-time or revolving loans can be made.

In addition, the borrower must be at least 18 years old and be a citizen of China with full capacity for civil conduct; And have the inherent ability to repay the loan principal and interest on schedule; Credit is also good, and there can be no bad credit record or serious negative information.

2. Inquire about the specific situation of the bank, and enter the mortgage application entrance to apply. As for whether the application can be passed, it depends on the final approval result of the system. The system will be based on the value of the house mortgaged by the user and the mortgage rate.

Mortgage is based on real estate transactions and refers to any form of housing loan support provided by banks or other lending institutions, that is, loans. "After the down payment is generally used, the remaining room rate is applied for a loan from the bank. According to the loan amount. Housing mortgage loan means that the borrower applies for a one-time or recycled RMB loan from the bank with the real estate (housing, commercial and residential dual-use house) under the name of a natural person as collateral for consumption or business purposes. In fact, housing mortgage loan has existed for a long time, and many banks have this business, but the specific restrictions are different. Some banks only accept properties paid off by mortgage loans, while others can accept properties with outstanding loans. The solvency of users, etc. To comprehensively determine the loan amount granted to users. After both parties sign the contract and complete the formalities, the system will release the money. Houses need to meet the requirements of banks: under normal circumstances, banks accept real estate with clear property rights within 20 years and can be listed and traded. Credit compliance: The account manager of this bank will check the borrower's credit status. If the credit is too bad, the bank will not accept it. It is not enough to have collateral, but also to have the ability to repay loans, both of which must have a stable income. For example, for a loan with a term of 10 years, the monthly repayment is about 12000.