1. House mortgage loans and business-assisted loans

1. The borrower’s conditions:

Ownership of property in Beijing, stable income and A natural person with full capacity for civil conduct (the borrower can have an overseas household registration);

The borrower is between 18 and 65 years old (the mortgagor must entrust another person to apply for a loan as the borrower if he is over 65 years old).

2. Provide information:

ID cards, household registers, marriage certificates, and income certificates of both spouses;

Mortgage property certificate (if provided by the cost-price property) original purchase contract).

3. Scope of mortgage properties: All properties in Beijing can be applied for.

4. Mortgage property types: commercial housing, cost-priced housing, affordable housing, apartments, villas, commercial buildings, office buildings, and shops.

5. Specific process:

Collect customer materials (collect deposit) → Home visit, evaluation, → Determine loan amount → Bank application → Go to the bank to sign the contract → Approval → Make mortgage registration → Customers come to our company to receive payment

6. Loan term: mortgage loan 1-30 years.

7. The year when the property was built: all properties after 1978 can be processed.

8. Loan amount: 10 million. (The loan amount can be recycled) Multiple properties can be used as mortgages under one person's name at the same time

2. Transfer-to-mortgage loan with the same name

1. Conditions met by the borrower:

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A natural person with property rights in Beijing, stable income and full capacity for civil conduct (the borrower can have a registered permanent residence in other places);

The borrower is between 18 and 65 years old (the age of the mortgagor is If you are over 65 years old, you must entrust someone else to apply for a loan as the borrower).

2. Provide information:

ID card of the borrower and spouse (including ID card, passport, military officer ID card, mainland travel permit, Taiwan compatriot ID card)

Household register of the borrower and spouse

Marriage certificate (if married, provide marriage certificate, divorced, provide divorce certificate or divorce judgment, and if widowed, provide death certificate)

The borrower is a foreigner Provide a "Temporary Residence Certificate"

If the borrower's "House Ownership Certificate" and the property rights are in the mortgage, the lending bank needs to provide a "Certificate of Balance" (stamped with a banking business seal)

"Original House Purchase Contract" 》And house purchase invoice or receipt, "Bank Mortgage Contract", bank printed monthly repayment details

Proof of income of the borrower and spouse;

Please provide the following materials if possible, such as It’s okay if it can’t be provided.

Borrower's credit card documents (including "Car Driving License", "Real Estate Certificate", "Passbook", "Deposit Certificate", "Equity Investment Certificate", "Graduation and Degree Certificate", "Professional Qualification Certificate" , "Professional Title Certificate", etc.; it is not necessary to provide it, but it will help to pass the approval)

3. Scope of mortgage properties: All properties in Beijing can be processed.

4. Loan amount: 10 million.

(The loan amount can be recycled) Multiple properties can be used as mortgages under one person's name at the same time

5. Specific process:

Collect customer materials (collect deposit) → Home visit, evaluation, → Determine the loan amount → apply to the bank → go to the bank to sign the contract → review and approve → repay and release the mortgage → do mortgage registration → the customer comes to our company to settle the fee → grant the loan

6. Loan period:

Number of years of loans from other banks + current loan application period ≤ 30 years

House age + loan term ≤ 35 years

7. Year when the property was built: the house age must not exceed 25 years

8. Repayment method:

Equal amounts of principal (decreasing), equal amounts of principal and interest, regular payment of interest and repayment of principal when due (limited to loan period of one year and loan amount of 500,000

3. Second-hand house mortgage loan, second-hand house remortgage loan

1. Information required by the borrower (house buyer):

Second-hand house sales contract or agreement

Borrower and spouse’s ID card (including ID card, passport, military officer’s ID card, mainland travel permit, Taiwan Compatriot Certificate)

Borrower’s and spouse’s household registration This document

The borrower’s marriage certificate (if married, provide a marriage certificate, if divorced, provide a divorce certificate or divorce judgment, and if a widower, provide a death certificate)

Required when purchasing affordable housing Provide a valid affordable housing review form

Down payment invoice or receipt

Proof of income of the borrower and spouse

Copy of the business license of the borrower’s workplace The original copy of the "Power of Attorney" in which the borrower authorizes another person to sign relevant legal documents on his or her behalf and the original "Notarial Certificate" issued by the notary office.

Please try to provide the following materials if they can be provided. If not, you can do it.

The borrower's credit card documents (including but not limited to car driving license, house purchase invoice, real estate certificate, house purchase contract or invoice, passbook deposit certificate, deposit certificate issued by the bank, bank salary record, equity investment certificate , two investment certificates, graduation and degree certificates, professional qualification certificates, professional title certificates, etc.; it is not necessary to provide, but providing it will help the approval)

2. Information required by the house seller:

Second-hand house sales contract or agreement

ID card of borrower and spouse (including ID card, passport, military officer ID card, mainland travel permit, Taiwan compatriot ID card)

Loan Household register of the person and spouse

Marriage certificate of the seller (if married, provide marriage certificate, divorced, provide divorce certificate or divorce judgment, and if widowed, provide death certificate or marital status indicating widowed in the household register)

The property ownership certificate of the property being traded

The information required when the property being traded is non-commercial housing:

For purchasing a house at cost price, standard price, or preferential price It is necessary to provide the original house purchase contract. If the original house purchase contract clearly states that the original house seller has the right of first refusal or the income from the sale of the property belongs to the original house seller, the original house seller must provide the original house seller. The original house seller no longer exists. If the situation is appropriate, you can fill in the "Declaration on the Sale of Purchased Public Housing"

If it is a central property property, you need to provide the "Registration Form for Public Housing Purchased by Central Property Units in Beijing and Listed for Sale"

For economical and applicable The original purchase contract must be provided when purchasing a house. If the purchase period is less than five years, the sale price shall not be higher than the original purchase price

3. Mortgage property range: All properties in Beijing can be processed.

4. Specific process:

Collect customer materials (collect deposit) → Home visit, evaluation, → Determine loan amount → Bank application → Go to the bank to sign the contract → Approval → Make mortgage registration ( If you want to switch to a mortgage, you must first repay the mortgage and then register for mortgage) → the customer comes to our company to settle the fee → lend money

5. Loan period:

Ordinary residential: 6 months- --30 years (house age + loan period ≤ 35 years)

High-end residential and commercial buildings: 1 year to 10 years (house age + loan period ≤ 20 years)

Loan term + actual age ≤ 65

6. Repayment method

Equal amounts of principal (decreasing), equal amounts of principal and interest, regular interest payments and principal repayment at maturity (limited to one year of loan period) and the loan amount is less than 500,000 yuan)

IV. Car house pledge

1. Basic basic conditions that need to be met for car pledge:

(1) Motor vehicle registration certificate (2) Exercise certificate (3) Original vehicle purchase invoice (4) Insurance policy (5) Road maintenance fee (6) Purchase tax certificate (7) ID card (8) Imported vehicle inspection form

Note: Additional materials for unit vehicles

(1) Organization code certificate (2) Copy of business license (3) Three blank letters of introduction and official seal

(4) Legal person power of attorney< /p>

2. Basic basic conditions that need to be met for housing mortgage:

Materials required for installment housing:

House purchase contract, loan contract, deed tax stamp, maintenance fund Invoice, ID card, household register, and marriage certificate of the homeowner and his/her spouse (the above documents must be original)

Materials required for a fully paid house:

The homeowner and his/her spouse Original ID card, household register, marriage certificate, real estate certificate (cost-priced houses also need to provide the original house purchase agreement or original house purchase contract) (the above documents must provide original copies)

3. Processing process:

Collect customer materials → Home visit, estimate → Book loan amount → Handle entrusted notarization → Collect certificates → Loan

Note: Balloon loan repayment method:

▲The above mortgage Balloon loan repayment methods can be used for loans, second-hand house mortgage loans, second-hand house remortgage loans, and re-mortgage loans with the same name. (For example: If you borrow 100,000 yuan and want to save interest and have a low monthly repayment amount, we can help you make a repayment interest rate of 1-5 years, but the monthly repayment amount is 20-30 years. The repayment amount will be repaid together with the principal in 5 years. If the principal cannot be repaid, you can apply for an extension of the loan period again)

5. Mortgage loan for property owned by the company:

Business license 2) Organization code certificate 3) Legal representative ID card 4) Loan card and password 5) Capital verification report 6) Articles of association 7) Tax registration certificate 8 ) Proof of title to the mortgaged property.

2. Loan term: 1-2 years.

3. Loan amount: no 4. Limit.

6. Unsecured loans for small and medium-sized enterprises:

1. Basic application conditions:

Must be a company registered in Beijing

Company Nature: limited liability company, partnership, individual industrial and commercial household, etc.

Company operating time: at least 3 years

2. Provide basic materials:

Company business license (Original and copy)

National and local tax registration certificate (original)

Organization code certificate (original)

Articles of Association (inquiry seal from the Industrial and Commercial Bureau is required) )

Capital verification report (must have inquiry stamp from the Industrial and Commercial Bureau)

Loan card (can be applied for quickly if not available)

ID cards/passports of all shareholders of the company

Financial statements

3. Loan term: 1-2 years

Seven: Personal credit loan

Basic application conditions: National civil servant (Teachers, doctors, lawyers, public officials of state agencies and units, top 500 national companies, etc. can all apply)

Provide basic materials: ID card, household registration booklet, marriage certificate, and residence of the borrower and his or her spouse. Original certificate and income certificate

Loan amount: 100,000--600,000

Loan period: 1 year--2 years