Xi Ping An Bank is mortgaged by real estate license, aged 18 to 60 years old, with interest of about 5%, with 70% higher first; Preparation materials: married people need to be accurate, marriage certificate, household registration book, property transfer, work certificate, and bank flow in the past six months.
Second, the real estate mortgage loan process of Ping An Bank
Ping An Bank can directly handle real estate mortgage loans at Ping An Bank outlets. The staff will get a preliminary understanding of the applicant, inform the applicant of the bank's regulations and requirements in this regard, and see if the applicant meets the loan conditions. Meet the conditions of Ping An Bank's real estate mortgage loan, sign a loan contract with the applicant, which will stipulate the loan amount, repayment time, interest and other aspects. Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off. Bank mortgage. Personal housing loan 1. Personal housing commercial loan is a self-operated loan issued by bank credit funds. It refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank for repayment of the loan with the property house he purchased as collateral when purchasing the urban self-occupied housing in this city. 2. Personal housing provident fund loans Personal housing provident fund loans are entrusted loans issued by policy housing provident fund, which refers to the housing provident fund loans that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as collateral to repay the loans. 3. Personal Housing Portfolio Loan A borrower who meets the requirements for personal housing commercial loans can apply for personal housing provident fund loans from the bank at the same time as paying the housing provident fund, that is, the borrower can apply for personal housing provident fund loans and personal housing commercial loans from the bank with the urban self-occupied housing purchased in this city as collateral. Second, enterprise mortgage loan enterprise loan target: all kinds of small and medium-sized enterprise customers with good operating conditions in industrial and commercial registration. Term of enterprise loan: generally, it is 1-5 years. Enterprise loan amount: generally 500,000 ~ 1 100 million yuan. Pawnshop Mortgage Pawnshop means that the customer mortgages his real estate to the pawnshop, pays a certain percentage of handling fee and interest, obtains the pawnshop, and pays interest, handling fee and repayment to the pawnshop. Within the agreed time limit. The interest and expenses add up to about 3% per month. Mortgage of real estate mortgage refers to the RMB loan in which the borrower mortgages the purchased commercial housing, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large-scale durable consumer goods, automobiles and house decoration.
3. What is the operation process of digital loan guarantee of Ping An Bank?
1. The applicant applies for a loan at Ping An Bank with his valid ID card and other relevant materials, and submits the required materials together.
2. Ping An Bank conducts loan review according to the application materials.
3. For applicants who meet the loan conditions, Ping An Bank will notify them to sign loan-related contracts at the bank.
4. If applying for mortgage loan, the borrower should go through mortgage registration and other procedures.
5. After all the formalities are completed, Ping An Bank issues loans.
Fourth, how to handle the real estate mortgage loan? What information do you need to prepare? What is the process?
Materials to be prepared for housing mortgage loan.
Personal housing mortgage loans must be prepared:
1. ID card, household registration book, proof of income and work of the property owner and spouse, corresponding contract for personal consumption, proof of marital status, and house ownership certificate.
The materials to be provided for enterprise real estate mortgage loans are:
1, four business certificates,
2, the articles of association,
3, the company's capital verification report,
4. The purchase and sale contract,
5, the bank flow in the past six months,
6, annual financial statements and nearly a month's financial statements,
Proof of assets (different materials will be provided according to different banks).
Application process of bank housing mortgage loan