How to apply for rural commercial bank to enjoy e-loan?
1 First, the user is required to prepare personal income certificate, credit report, original ID card, bank account and mortgage information and submit it to the rural commercial bank, and submit the information of the borrower's loan application for review;
After approval, the borrower will be notified to determine the loan amount and sign a loan contract with the bank;
The borrower needs to open a debit card account of "convenience card" in rural commercial banks;
After the bank issues loans, users can use the "XX Rural Credit" APP to provide convenience card services to convenience card accounts.
The above is a detailed introduction to the application process of e-loan for rural commercial banks, which can be helpful. Need to be reminded that only Hunan Rural Commercial Bank can apply for Fuxiang e-loan.
Second, can I directly apply for mortgage registration or whatever?
No, your account manager will take you to the Housing Authority to check in.
3. I have a house. How can I get a mortgage loan in a rural commercial bank?
E-loan of rural commercial credit needs a platform to rate individuals, verify the loan amount and issue loan vouchers. Users who meet the conditions of bank loans will issue loans after approval, and borrowers will repay them on time.
Loan process:
(1) Credit rating. Mainly based on the basic situation of the lender, assets and liabilities, production and operation, reputation and other indicators to evaluate. Generally, it is divided into three grades: excellent, good and average.
(2) Approved credit line. Rural credit cooperatives shall, according to the credit rating results, capital requirements and credit line applications, verify the credit line of corresponding grades.
(3) Issuing loan vouchers.
(4) loan application. When applying for a loan, you can apply for a loan within the credit line with the loan certificate and valid ID card (or household registration book).
(5) loan issuance. After receiving the loan application, the rural credit cooperatives shall sign the contract after examination by the credit counter personnel (or the doorman personnel), fill in the loan receipt, and then use the loan according to the regulations.
(6) Repayment on schedule. The borrower shall repay the loan principal and interest in accordance with the loan contract.
This answer is provided by Youhuahua, a credit service brand under Xiaoman Finance (formerly Baidu Finance), which provides personal consumer credit services for the public and creates an innovative consumer credit model. Qianhua uses artificial intelligence and big data risk control technology to provide users with convenient, fast and secure Internet credit services. Click on the bottom of the mobile phone to calculate the amount immediately, and the maximum loan amount is 200,000.
Fourth, the e-loan mortgage process of rural commercial banks?
The housing loan process of rural commercial banks is as follows: 1. The borrower needs to submit written documents to the housing management department when applying for housing mortgage loan, and the real estate appraisal agency will review the application materials submitted by the applicant.
2. After the borrower submits the written documents, the property (collateral) will be used as the pledge and handed over to the lender to open a current deposit account in the bank.
Three. The Lender shall go through relevant formalities at the entrusting bank. Four, the applicant to provide materials to the entrusted bank for the corresponding loan procedures.
Five, the borrower to apply for real estate mortgage loans need to submit written documents to the housing management department and send their information to the company or law firm to sign a loan contract.