Have full capacity for civil conduct and be under 50 years of age. 2. Hold the industrial and commercial business license, tax registration certificate and relevant business license issued by the administrative department for industry and commerce. 3 engaged in legitimate production and business activities, the project has development potential or market competitiveness, and has the ability to repay the loan principal and interest on schedule. 4. Good credit standing, law-abiding, no bad credit and debt records, and can provide mortgage, pledge or guarantee recognized by Industrial Bank. You may need to provide collateral, a house or a car, and calculate the interest on how much you used from the time you used it! If the loan money is not withdrawn from the bank, then the interest will not be calculated. The maximum amount of new small secured loans granted by financial institutions to individuals will be raised from 20,000 yuan to 50,000 yuan. 1. Housing mortgage loans and employment-oriented loans 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Provide information: husband and wife ID card, household registration book, marriage certificate and income certificate; Property certificate of mortgaged house (such as the original purchase contract provided by the cost property). 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Types of mortgaged properties: commercial housing, cost housing, affordable housing, apartments, villas, shops, office buildings and shops. 5. Specific process: receiving customer information (collecting deposit) → home visit and evaluation → determining the loan amount → reporting to the bank → signing a contract with the bank → approval → mortgage registration → customers collecting money from our company. Loan term: mortgage loan 1-30 years. 7. Completion date of real estate: the real estate can be handled after 78 years. 8. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. Ii. loan of the same name 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full capacity for civil conduct (the borrower can be a foreign household registration); The borrower 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Provide information: ID card of borrower and spouse (including ID card, passport, military officer's card, travel permit to and from the mainland, Taiwanese certificate) Marriage certificate of borrower and spouse (marriage certificate for married, divorce certificate or divorce judgment for divorced, and temporary residence permit for foreigners by borrower; If the borrower's house ownership certificate is mortgaged, the lender shall provide the balance certificate (stamped with the bank seal), the original house purchase contract, the house purchase invoice or receipt, the bank mortgage contract, the monthly repayment schedule printed by the bank, and the income certificate of the borrower and spouse; Please provide the following materials as far as possible if you can, or if you can't. Credit certification materials of the borrower (including automobile driving license, real estate license, passbook, deposit certificate, equity investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); You don't have to provide it, but it is helpful for approval. 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Loan amount: 6,543,800+million. (The loan amount can be recycled) One person can mortgage multiple properties at the same time. 5. Specific process: receiving customer information (collecting deposit) → visiting and evaluating at home → setting loan amount → reporting to the bank → signing a contract at the bank → examining and approving → repaying and releasing mortgage → doing mortgage registration → customers paying fees at our company → lending money. 6. The loan period: the loan period in other banks+the loan period currently being applied for ≤30 years. Date of completion of the property: the age of the house shall not exceed 25 years. 8. Repayment method: equal principal (decreasing), equal principal and interest, repayment of principal on schedule (loans with a loan term of less than one year and a loan amount of less than 500,000 yuan). 3. Second-hand housing mortgage loan, second-hand housing mortgage loan 1. Information required by the borrower (buyer): second-hand housing sales contract or agreement, borrower's and spouse's ID cards (including ID card, passport, military officer's card, mainland pass, Taiwanese certificate), and borrower's and spouse's household registration book (marriage certificate for married, divorce certificate or divorce judgment for divorced, and death certificate for widowed). When purchasing affordable housing, you need to provide the affordable housing audit form, down payment invoice or housing receipt, and borrower's and spouse's. The original power of attorney entrusted by the borrower to sign relevant legal documents and the original notarial certificate issued by the notary office. Please provide the following materials as far as possible if you can, or if you can't. Credit certification materials of the borrower (including but not limited to automobile driving license, house purchase invoice, real estate license, house purchase contract or invoice, passbook deposit certificate, deposit certificate issued by the bank, payroll record issued by the bank, equity investment certificate, two certificates investment certificate, graduation and degree certificate, professional qualification certificate, professional title certificate, etc.). ); You don't have to provide it, but it is helpful for approval. 2. The information that the seller needs to provide: the second-hand housing sales contract or agreement, the ID cards of the borrower and spouse (including ID card, passport, military officer's card, travel permit to and from the mainland, and Taiwan compatriot's card), the household registration book of the borrower and spouse, and the marriage certificate of the seller (marriage certificate for the married, divorce certificate or divorce judgment for the divorced, death certificate or marital status indicated in the household registration book for the widowed). Information to be provided when the transaction house is a non-commercial house: when buying a house at cost price, standard price or preferential price, the original purchase contract needs to be provided. If there is a clear agreement in the original purchase contract that the original seller has the preemptive right or the proceeds from the sale of the property belong to the original seller, it is necessary to provide information that the original seller no longer exists. You can fill in the declaration form for the sale of purchased public housing, provide the registration form for listed public housing with central property rights, and provide the original contract for the purchase of affordable housing. If the purchase period is less than five years, it shall not be higher than the original purchase price. 3. Scope of mortgaged real estate: Beijing real estate can be handled. 4. Specific process: collecting customer information (collecting the deposit) → visiting and evaluating at home → determining the loan amount → reporting to the bank → signing a contract with the bank → examining and approving → doing mortgage registration (if you want to transfer the mortgage, you must pay the mortgage first and do mortgage registration) → paying the loan to our company → lending 5. Loan term: ordinary residence: 6 months to 30 years (house age+loan term ≤35 years), high-grade residence and commercial house: 1 year-10 year (house age+loan term ≤20 years), loan term+actual house age ≤65 6, average capital of repayment method (decreasing). Four. Garage pledge 1. Basic conditions for parking: (1) motor vehicle registration certificate (2) exercise certificate (3) original car purchase invoice (4) insurance policy (5) road maintenance fee (6) purchase tax certificate (7) ID card. Remarks on the inspection list of imported vehicles: supplementary materials for unit vehicles (1) organization code certificate (2) copy of business license (3) three blank letters of introduction with official seal (4) power of attorney of legal person (2). Basic conditions for mortgage housing: materials to be provided for purchase by stages: purchase contract, loan contract, deed tax ticket, maintenance fund invoice, owner's and spouse's ID card, household registration book, marriage certificate (the above documents need to be provided in original); materials to be provided for full housing: owner's and spouse's ID card, household registration book, marriage certificate, and real estate license (original purchase agreement or purchase contract is required for cost housing) (the above documents need to be provided in original). 3. Handling process: receiving customer information → home visit → estimation → booking loan amount → handling entrustment notarization → taking documents → instructions for lending: balloon loan repayment method: ▲ (For example, if you borrow 6,543,800 yuan, you just want to save interest, and the monthly repayment amount is low, we can help you with the repayment interest of 654.38+ 0-5 years, but the monthly repayment amount is 20-30. If the principal is not paid, you can apply for extending the loan term again. V. Mortgage loan of property right house under the name of the company: 1, basic information provided, business license, organization code certificate, legal representative's ID card, loan card and password, capital verification report, articles of association, tax registration certificate and property right certificate of mortgaged property. 2. Loan term: 1-2 years. 3. Loan amount: unlimited. 6. Unsecured loans for SMEs: 1. Basic application conditions: It must be a company registered in Beijing. Company nature: limited liability company, partnership enterprise, individual industrial and commercial households, etc. Operating time: at least 3 years. 2. Provide basic materials: company business license (original and photocopy), national tax and local tax registration certificate (original), organization code certificate (original), articles of association (with the inquiry stamp of the industrial and commercial bureau), capital verification report (with the inquiry stamp of the industrial and commercial bureau), loan card (if it is not processed quickly), ID cards/passports of all shareholders of the company, financial statement 3, loan period: Basic materials can be provided: ID card, household registration book, marriage certificate, residence certificate and original income certificate of the borrower and his spouse. Loan amount: 65438+ million-

Adopt it