People are most concerned about the conditions and procedures of mortgage loans. First of all, the information needed to apply for a mortgage loan is:

1.3. Original and photocopy of the ID card and household registration book of the applicant and spouse (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached).

2. The original purchase agreement.

3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price.

4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the unit, bank deposit certificate, etc.

5. The developer's collection account number is 1 copy.

Extended data:

Processing rule

1, customer application

Fill in the loan application form as required.

2. Materials submitted by customers

The applicant's identification materials, including valid ID card, residence booklet and residence certificate. If you have a spouse, you should also provide a marriage certificate, a spouse's identity card and relevant identification materials.

(1), business license of individual owner, tax payment certificate, etc.

(2) If the loan application requires guarantee (including mortgage and guarantee), the guarantee materials shall be submitted.

Step 3 review

(1) Whether the materials submitted by the customer are complete, whether the official seal affixed is clear, whether the name of the loan enterprise is consistent with the business license, and whether the materials are complete, legal, standardized, true and effective.

(2) Currency, term, amount, guarantee method, loan purpose and negotiation content of credit business.

Whether it matches.

(3) Whether the application purpose, term, amount, guarantee method and basic information of the entrusted agent of credit business are consistent with the resolution of the shareholders' meeting or the board of directors. Whether the signatories of relevant resolutions comply with the articles of association and organizational documents.

(four) the business license and other valid documents that have passed the annual examination.

(5) review of mortgage or guarantee materials, whether the collateral is sufficient and whether the guarantor has the ability to guarantee in full. After the customer's application materials are audited, if the materials are incomplete, the agent shall return the application materials to the customer and make explanations.

If the materials are complete, check the original, and the customer will sign the copy, and the signature is consistent with the original. Fill in the Credit Business Evaluation Handover Form after confirmation. Entering the investigation stage should be completed within half a working day.

4. Credit evaluation

(1) The overall credit status of customers, including the credit status of the People's Bank of China and the social credit status.

(2) Balance sheet and real estate status.

(3) Whether the loan purpose and repayment source are reliable.

(4) Whether mortgage or guarantee is feasible.

Step 5 agree

6. Implement pre-loan conditions

7. Sign contracts, including guarantee or mortgage contracts.

Step 8 support

9. Credit registration

10, accounting

1 1. Post-loan inspection

12, loan recovery

According to the general principles of loans:

Article 45 A borrower shall not illegally evade bank debts or misappropriate credit funds by means of merger, bankruptcy or shareholding system reform. It is not allowed to evade the lender's credit supervision by contracting or leasing, and repay the loan principal and interest.

Article 46 The lender has the right to participate in the debt restructuring of the borrower in the process of merger, bankruptcy or shareholding system reform, and requires the borrower to fulfill the obligation to repay the principal and interest of the loan.

Article 47 The lender shall require the borrower engaged in contracting and leasing business to clearly implement the repayment responsibility of the original loan debt in the contracting and leasing contract.

Article 48 The lender shall require the borrower who implements the shareholding system reform to re-sign the loan contract, and clarify the repayment responsibility of the original loan debt.

For the borrower who implements the overall shareholding system reform, it should be clear that the loan debt owed by him shall be borne by the reformed company; For borrowers who implement partial shareholding system reform, the reformed joint-stock company is required to bear the loan debt of the original borrower according to the proportion of capital or assets occupied by the borrower.

Article 49 The lender shall require the borrower who forms a new enterprise legal person after the joint venture to implement the loan debt to the new enterprise legal person according to the proportion of the capital or assets it occupies.

Article 50 The lender shall require the merged borrower to pay off the loan debt or provide corresponding guarantee before the merger.

If the borrower fails to pay off the loan debt or provide the corresponding guarantee, the lender shall require the merged (merged) enterprise or the newly established enterprise to undertake the obligation to repay the loan to the borrower and re-sign the relevant contract or agreement with it.

Article 51 The lender shall require the borrower who has a joint venture (cooperation) with foreign investors to continue to bear the repayment responsibility before the joint venture (cooperation), and require them to give priority to repaying the loan with the proceeds. When a borrower uses mortgaged or pledged property as a loan for joint venture (cooperation) with foreign investors, it must obtain the consent of the lender.

Article 52 The lender shall require the divided borrower to pay off the loan debt or provide corresponding guarantee before the division.

If the borrower fails to pay off the loan debt or provide corresponding guarantee, the lender shall require all enterprises after the division to make an agreement according to the proportion of capital or assets occupied at the time of division.

Responsible for paying off the loan owed by the original borrower. For borrowers who set up subsidiaries, their subsidiaries are required to bear and repay the corresponding loan debts of the parent company in proportion to the capital or assets obtained.

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