Now the house price is so precious that most families will consider the way of loan. If they borrow money to buy a house, they should apply according to the requirements of the loan company, and the approval will take some time. We can get a preliminary understanding of the loan process of the loan company before lending, in case of emergency.

First, prepare loan information.

The applicant fills in the application for residential housing mortgage and submits the certification materials: the borrower's fixed income certificate issued by the unit; Credit certification documents such as business license and legal person certificate of the loan guarantor; Legal and valid identity certificate of the borrower; The relevant certificate of the ownership of the house or the certificate that I have the right to the house according to law; Appraisal report, appraisal report and insurance documents of mortgaged real estate; Contracts, agreements or other supporting documents for the purchase and construction of houses.

Second, the audit data

The loan company examines the borrower's loan application, house purchase contract, agreement and other related materials one by one.

Three, the applicant will mortgage property certificates or securities to the loan company for safekeeping.

4. The guarantors of both parties sign the Housing Mortgage Loan Contract and notarize it.

5. After the loan contract is signed and notarized, the deposit and loan of the loan company to the applicant will be transferred to the house selling unit or building unit specified in the house purchase contract or agreement.

Intransitive verb loan settlement

Loan settlement can be divided into normal settlement and early settlement.

1. Normal settlement: the loan is settled on the maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);

2. Early settlement: Before the loan expires, the borrower wants to settle the loan, and must apply to the bank in advance according to the loan contract. After the bank has passed the examination, it will go to the designated accounting counter for repayment.

After the loan is settled, the borrower will get it back with his valid identity certificate and the loan settlement certificate issued by the loan company. The legal documents and relevant supporting documents shall be kept by the loan company on its behalf, and the mortgage registration and cancellation procedures shall be handled at the original mortgage registration department with the loan settlement certificate.

Conclusion: the loan process of the loan company is introduced here for everyone, hoping to help everyone.

What are the procedures for enterprises to apply for loans from small loan companies?

Microfinance companies are limited liability companies or joint stock limited companies established by natural persons, enterprise legal persons and other social organizations that do not absorb public deposits and operate businesses. Then, what procedures do enterprises need to apply for loans from small loan companies?

Procedures for enterprises to borrow from small loan companies:

1. The original and photocopy of the business license of the enterprise and the original and photocopy of the corporate identity card.

The second is the financial statements of the enterprise, including balance sheet, income statement and cash flow statement. Some small loan companies require financial statements to be audited. The balance sheet and income statement are current and previous.

Third, the enterprise has a loan certificate issued by the statutory issuing authority, and the enterprise needs to provide a general deposit account when applying for a loan.

It should be noted that different small loan companies have subtle gaps in their requirements for information. After the materials are fully prepared, you can apply to the small loan company for approval. Once approved, you can get the money by signing a loan contract with a small loan company.

How do individuals get loans from guarantee companies?

Personal borrowing from guarantee companies means that banks do not lend directly to individuals in order to reduce risks, but require borrowers to have a third party as their credit guarantee, most of which are guarantee companies or individuals with good credit status.

Personal loan process of guarantee company:

1. The lender consults and selects the guarantee company, and then submits the personal consumption loan application, personal identity certificate, work certificate and personal information to the guarantee company, and the guarantee company accepts the project.

2, the guarantee company to conduct a comprehensive and all-round investigation of the applicant, after the investigation for approval.

3. Sign the main contract, guarantee contract, counter-guarantee contract and other legal documents after approval and collect the guarantee fee.

4. The guarantee company will submit the relevant information of the lender to the bank, and the bank will issue the loan after review.

Legal basis:

Article 11 of the Interim Measures for Personal Loans

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

What is the process of mortgaging the house to a small loan company?

The process is as follows: 1. The borrower applies to the loan bank for mortgage loan. 2. The loan bank shall examine and approve the loan application. 3. The borrower handles the guarantee procedures and mortgages the collateral to the loan bank. 4. Sign a loan contract. 5. The loan bank issues loan funds to the borrower's account. Article 400 of the Civil Code establishes mortgage, and the parties shall conclude a mortgage contract in writing. A mortgage contract generally includes the following clauses: (1) the type and amount of secured creditor's rights; (2) The time limit for the debtor to perform the debt; (3) The name and quantity of the mortgaged property; (4) the scope of the guarantee.

How to make enterprise loans

Enterprises that want to borrow money can handle it through banks or other financial institutions. The specific loan methods are as follows:

1. Confirm the required loan amount before submitting a loan application to a bank or other financial institution;

2. It is necessary to prepare basic enterprise information, financial statements and loan information required by banks or other financial institutions, and then submit them to banks/institutions for review;

3. If approved, a loan contract can be signed, and repayment can be made according to the contract after the next payment.

Basic information of the company

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2. Annual reports for the last three years, financial statements for the last three months, and company bills for the last six months.

3. Business premises lease contract and proof of rent payment, and water and electricity charges for the past three months.

4, nearly six months of tax bills, signed the purchase and sale contract (if any)

5. Proof of assets under the enterprise name

personal data

1, ID card of borrower and spouse

2. Identity cards of property owners and spouses

3. Household registration books of the borrower and the property owner.

4. Marriage certificate between the borrower and the property owner

5. Proof of personal assets, such as real estate, cars, stocks and bonds.

6. Personal bank flow in the past six months or a year.

Extended data:

Enterprise loan application conditions

1, which conforms to the national industry and industrial policy and does not belong to small enterprises with high pollution and high energy consumption;

2. The enterprise has a good reputation in various commercial banks and has no bad credit record;

3. Having a business license approved and registered by the administrative department for industry and commerce, and passing the annual inspection;

4, there is a necessary organization, management system and financial management system, a fixed foundation and business premises, legal operation, products have market and benefits;

5. Have the ability to perform contracts and repay debts, have a good willingness to repay, have no bad credit record, and credit asset risks are classified as normal or non-financial factors;

6. The operator or actual controller has more than 3 years of working experience, good quality and no bad personal credit record;

7. The enterprise operates steadily, the establishment period is in principle more than 2 years (inclusive), and there are at least one or more financial reports for one fiscal year, and the sales revenue growth and gross profit are positive for two consecutive years;

8, in line with the establishment of small business related industry credit policy;

9. Abide by national financial regulations and policies and relevant bank regulations;

10. Open a basic settlement account or a general settlement account with the applicant bank.