The information needed for personal loans
First, the basis of information:
1, personal loans loan application form;
2, identity cards (including spouses) copies;
3, thin copy of accounts;
4, proof copy of the marriage;
5, individuals or other proof of income sufficient to demonstrate proof of their income levels (including the bank approved the payroll, tax bill, tax certificate, etc.);
6, to property mortgage or pledge of security, should provide arrival (of) the grantor of the rights of proof, I authorized departments to produce proof of the original collateral valuation, quality of the original;
7, the power to dispose of people agree that the mortgage or pledge;
8, the security guarantee provided by a third party, must provide the guarantor of identity papers, residence and that the original copy of proof of income and the guarantor (natural Guarantee);
9, corporate sponsor of the corporate code of business licenses and permits and the recent financial statements, etc. (corporate guarantee security).
Second, personalized information:
1, for individual housing loans (personal loans), shops loans, the borrower must provide housing purchase contracts or the sale of commercial housing leases and the first proof of payment (invoices and bank contributions alone);
2, apply for student loans, the units must provide a notice issued by the school;
3, for study loans, schools must provide a certificate from abroad admission tickets or other effective school that has been done to study the host school of the People's Republic of China passport entry visa;
4, for renovation loans, the contract must provide decoration and renovation of the budget, as well as the first proof of payment (invoices and bank contributions alone);
5, loans for consumer durable goods, consumer durable goods purchase and sale contracts must be provided, as well as the first proof of payment (invoices and bank contributions alone);
6, applications for business category loans (excluding loan shops), to provide business licenses, tax registration certificate, purchase and sales contracts and financial statements.
Above all to the borrower and the guarantor of the application data must be originals, to confirm authenticity of materials, a copy of retirement.
Currently all commercial banks to provide the main types of personal loans personal loans personal loans and conditions of reimbursement procedures personal loans personal loans means the amount, duration and the cost of mortgage interest rates six homeowners can not provide mortgage loans to individuals can purchase mortgage loans Major banks in the current major commercial banks to provide a variety of personal loans, housing loans, including:
(A) of commercial individual housing loans
Commercial individual housing loans, bank credit is paid by the self-financing loans, means the full civil capacity of natural persons, the purchase of owner-occupied housing urban city, with its purchase of housing property rights for collateral, as the guarantee of outstanding loans To the commercial banks for housing loans. (B) individual housing provident fund loans individual housing provident fund loans, is the policy of housing accumulation fund loans released by the commission that the housing provident fund deposit of workers, cities and towns to buy in the city, construction, Fan Jian, overhaul-occupied housing, with its Property owned by the housing for collateral, as outstanding loans and guarantees to banks for the housing provident fund loans. (C) Where individual housing loan portfolio with commercial individual housing loans of borrowers at the same time deposit housing accumulation fund, for personal housing loans while commercial banks may also apply to individual housing provident fund loans, the borrower to purchase this Urban towns occupied housing as a collateral to banks for both individual housing provident fund loans and individual housing loan business (such as personal housing loans portfolio loans). Second, three individual car consumption loans, personal loans consumer durable goods, personal loans and conditions of a loan target: 1, with full civil capacity of Chinese citizens and mainland China have the right of abode in the territory, foreign citizens, 2, are paid in the first Purchase period (not less than 30 percent of the total purchase), 3, a stable income, have the ability to repay the loan principal and interest; 4, agreed to purchase real estate as collateral the borrower. Second at the same time meet the following requirements: 1, holders of legal residence booklet (any city), identity cards or business licenses, the legal representative of proof or legal residence permits, passports, bank specified in the city to buy the commercial housing developers, 2, Deposits in the bank to open special accounts, deposits, purchasing housing, not less than 30%, 3, have a valid purchase contracts, agreements and other documents; 4, agreed to purchase housing under the contract of the property as collateral 5, ready to fulfil all the terms of loan contracts; 6, the bank provided for other conditions. And three to be issued by the information provided: 1, identity card and a copy of the original 2, housing offers and a copy of the original 3, the first Fangkuan originals and copies of pay, 4, Yue Gongkuan ability to prove that, including: Proof of income individuals and families, certificates of deposit (passbook or other securities). Procedures for a personal loan, signed offers: the client and the bank has signed and the Real Estate Development Company signed offers, and real estate development company to pay the first phase of the purchase, 2, to apply for: Customer entrusted to the bank's lawyer How to apply for mortgage firms, including Jiaoyan personal information, to pay various fees, fill out legal documents; 3, the purchase price review: Law Firm of customer applications in the first instance, after approval by the banks if the review failed to return customer information And the fees charged by four other legal procedures: Law Firm insurance agents, notaries and collateral security for registration, record; 5, the release of loans: bank loan funds will be zoned to the development account and notify customers start mortgage . Personal loans to repay a way, by signing the loan contract on equal points of outstanding loans. Customers should be stipulated in the contract the monthly loan repayment has taken the initiative in its purchase of savings account should also foot the monthly principal and interest of loans from banks should be deducted at the monthly repayment of loans; 2, ahead of repayment: customers should be advanced One month to apply to banks, which can be removed from the loan interest ahead of time, but the interest rate is still the original loan interest rates for the implementation of the same period. Personal loan amount, duration and interest rates 1, individual housing loans loans to the maximum width for the purchase of housing Fangkuan 70 percent loan for the longest period of not more than 30 years, generally 10 to 25; duration of the loan with interest rates Different length, in accordance with relevant provisions of the People's Bank of China.
2, individual car consumption loans
The maximum amount of loans for cars, 80 percent; loans longest period of not more than five years, the People's Bank lending rates in accordance with the provisions of the same period in the implementation of lending rates. 3, the individual consumer durable goods, consumer durable goods, personal loan is priced at 3,000 yuan and above (including 3,000 yuan), normal life in the family for more than two years of durable goods, such as household appliances, computers, furniture, fitness equipment, sanitary wares, musical instruments And so on (not including automobiles, housing); general loan period of five years, the interest rate under the loan period by the People's Bank of the relevant regulations. The cost of mortgage loans, legal fees 2, notarization fee 3, 4 documents custodial fees, real estate mortgage registration / filing / cancellation charges. Specific costs amount to local developers, consulting firm. Owner can not mortgage the People's Bank of the six decisions, from January 1, 1998, the lifting of the state-owned commercial bank lending limit restrictions, the decision greatly benefit the banks in the mortgage business. Therefore, the decision announced after the bank plans to have been set up specifically for the recent second-hand housing mortgage loans provide the services, all of the warrants to purchase the property, can apply for the secondary mortgage, which will promote the role of second-hand property market, and can improve First-hand properties of Chengjie Li. From this view, the future of China real estate mortgage loans will become more and more common, and real estate mortgage is the election of a strong, must comply with many of the requirements and conditions can effectively. Therefore, the public in real estate mortgage services, it is best to have a certain degree of understanding, in order to compare the correct decision, to avoid unnecessary disputes and losses, thereby reducing the risk of increased security. According to relevant provisions of the law, there are six real estate mortgage may not be set up: one to a controversial property; second, for education, health care, municipal and other public welfare undertakings of the property; three, included in the heritage preservation of buildings and Of the important significance of the other buildings; four, corruption has been included in the notice of the demolition of the property; five, was shut down in accordance with the law, seizure, or other forms of regulatory restrictions on the property; six, corruption must not mortgage the other property. In the mortgage, the parties should sign a written mortgage contract, the contract should contain: (a) Mortgage, a mortgage of the name, and so on the basis of the situation; (b) claims the type, amount, (3) the basis for real estate mortgage , Name, position, the building area, (d) the value of real estate collateral, (e) the occupier of real estate collateral managers, occupiers management, the occupation of management responsibilities and accidental damage, loss of responsibility (6) mortgage period, (7) Mortgages loss conditions (8) breach of contract responsibility (9) dispute resolution methods (10) secured the contract to make the time and location; (11) The two sides agreed to other matters. After signing the contract, should be the seat of real estate management departments to lose the registration procedures and good procedures rear operator through the process. In general since the signing of the contract, within 30 days, the parties should be ready to mortgage the relevant documents to the relevant registry office to apply for registration. To provide individual mortgages to buy homes of the major banks are now available to individuals to purchase mortgage loans from the banks of a development bank to more than 10 home mortgage business for the major banks: China Construction Bank: Real Estate Finance Ministry. The bank personal housing mortgage loan market in a dominant position on the market share of 70 percent. Industrial and Commercial Bank of China: Ministry of real estate credit. Start too early, but not yet fully in this business. Bank of Communications: Real Estate Finance Ministry. Although the early start, but not yet in full swing this business. Agricultural Bank of China: Ministry of Finance. Is still at the initial stage, but growing rapidly. Bank of China: Ministry of Finance. Less business, but starting early, high-impact in some areas. Guangdong Development Bank: Finance Department. Yet only partially carried out within the framework of the business. Shenzhen Development Bank: Finance Department. Yet only partially carried out within the framework of the business. CITIC Industrial Bank: Finance Department. Yet only partially carried out within the framework of the business.
First, the basis of information:
1, personal loans loan application form;
2, identity cards (including spouses) copies;
3, thin copy of accounts;
4, proof copy of the marriage;
5, individuals or other proof of income sufficient to demonstrate proof of their income levels (including the bank approved the payroll, tax bill, tax certificate, etc.);
6, to property mortgage or pledge of security, should provide arrival (of) the grantor of the rights of proof, I authorized departments to produce proof of the original collateral valuation, quality of the original;
7, the power to dispose of people agree that the mortgage or pledge;
8, the security guarantee provided by a third party, must provide the guarantor of identity papers, residence and that the original copy of proof of income and the guarantor (natural Guarantee);
9, corporate sponsor of the corporate code of business licenses and permits and the recent financial statements, etc. (corporate guarantee security).
Second, personalized information:
1, for individual housing loans (personal loans), shops loans, the borrower must provide housing purchase contracts or the sale of commercial housing leases and the first proof of payment (invoices and bank contributions alone);
2, apply for student loans, the units must provide a notice issued by the school;
3, for study loans, schools must provide a certificate from abroad admission tickets or other effective school that has been done to study the host school of the People's Republic of China passport entry visa;
4, for renovation loans, the contract must provide decoration and renovation of the budget, as well as the first proof of payment (invoices and bank contributions alone);
5, loans for consumer durable goods, consumer durable goods purchase and sale contracts must be provided, as well as the first proof of payment (invoices and bank contributions alone);
6, applications for business category loans (excluding loan shops), to provide business licenses, tax registration certificate, purchase and sales contracts and financial statements.
Above all to the borrower and the guarantor of the application data must be originals, to confirm authenticity of materials, a copy of retirement.
Currently all commercial banks to provide the main types of personal loans personal loans personal loans and conditions of reimbursement procedures personal loans personal loans means the amount, duration and the cost of mortgage interest rates six homeowners can not provide mortgage loans to individuals can purchase mortgage loans Major banks in the current major commercial banks to provide a variety of personal loans, housing loans, including:
(A) of commercial individual housing loans
Commercial individual housing loans, bank credit is paid by the self-financing loans, means the full civil capacity of natural persons, the purchase of owner-occupied housing urban city, with its purchase of housing property rights for collateral, as the guarantee of outstanding loans To the commercial banks for housing loans. (B) individual housing provident fund loans individual housing provident fund loans, is the policy of housing accumulation fund loans released by the commission that the housing provident fund deposit of workers, cities and towns to buy in the city, construction, Fan Jian, overhaul-occupied housing, with its Property owned by the housing for collateral, as outstanding loans and guarantees to banks for the housing provident fund loans. (C) Where individual housing loan portfolio with commercial individual housing loans of borrowers at the same time deposit housing accumulation fund, for personal housing loans while commercial banks may also apply to individual housing provident fund loans, the borrower to purchase this Urban towns occupied housing as a collateral to banks for both individual housing provident fund loans and individual housing loan business (such as personal housing loans portfolio loans). Second, three individual car consumption loans, personal loans consumer durable goods, personal loans and conditions of a loan target: 1, with full civil capacity of Chinese citizens and mainland China have the right of abode in the territory, foreign citizens, 2, are paid in the first Purchase period (not less than 30 percent of the total purchase), 3, a stable income, have the ability to repay the loan principal and interest; 4, agreed to purchase real estate as collateral the borrower. Second at the same time meet the following requirements: 1, holders of legal residence booklet (any city), identity cards or business licenses, the legal representative of proof or legal residence permits, passports, bank specified in the city to buy the commercial housing developers, 2, Deposits in the bank to open special accounts, deposits, purchasing housing, not less than 30%, 3, have a valid purchase contracts, agreements and other documents; 4, agreed to purchase housing under the contract of the property as collateral 5, ready to fulfil all the terms of loan contracts; 6, the bank provided for other conditions. And three to be issued by the information provided: 1, identity card and a copy of the original 2, housing offers and a copy of the original 3, the first Fangkuan originals and copies of pay, 4, Yue Gongkuan ability to prove that, including: Proof of income individuals and families, certificates of deposit (passbook or other securities). Procedures for a personal loan, signed offers: the client and the bank has signed and the Real Estate Development Company signed offers, and real estate development company to pay the first phase of the purchase, 2, to apply for: Customer entrusted to the bank's lawyer How to apply for mortgage firms, including Jiaoyan personal information, to pay various fees, fill out legal documents; 3, the purchase price review: Law Firm of customer applications in the first instance, after approval by the banks if the review failed to return customer information And the fees charged by four other legal procedures: Law Firm insurance agents, notaries and collateral security for registration, record; 5, the release of loans: bank loan funds will be zoned to the development account and notify customers start mortgage . Personal loans to repay a way, by signing the loan contract on equal points of outstanding loans. Customers should be stipulated in the contract the monthly loan repayment has taken the initiative in its purchase of savings account should also foot the monthly principal and interest of loans from banks should be deducted at the monthly repayment of loans; 2, ahead of repayment: customers should be advanced One month to apply to banks, which can be removed from the loan interest ahead of time, but the interest rate is still the original loan interest rates for the implementation of the same period. Personal loan amount, duration and interest rates 1, individual housing loans loans to the maximum width for the purchase of housing Fangkuan 70 percent loan for the longest period of not more than 30 years, generally 10 to 25; duration of the loan with interest rates Different length, in accordance with relevant provisions of the People's Bank of China.
2, individual car consumption loans
The maximum amount of loans for cars, 80 percent; loans longest period of not more than five years, the People's Bank lending rates in accordance with the provisions of the same period in the implementation of lending rates. 3, the individual consumer durable goods, consumer durable goods, personal loan is priced at 3,000 yuan and above (including 3,000 yuan), normal life in the family for more than two years of durable goods, such as household appliances, computers, furniture, fitness equipment, sanitary wares, musical instruments And so on (not including automobiles, housing); general loan period of five years, the interest rate under the loan period by the People's Bank of the relevant regulations. The cost of mortgage loans, legal fees 2, notarization fee 3, 4 documents custodial fees, real estate mortgage registration / filing / cancellation charges. Specific costs amount to local developers, consulting firm. Owner can not mortgage the People's Bank of the six decisions, from January 1, 1998, the lifting of the state-owned commercial bank lending limit restrictions, the decision greatly benefit the banks in the mortgage business. Therefore, the decision announced after the bank plans to have been set up specifically for the recent second-hand housing mortgage loans provide the services, all of the warrants to purchase the property, can apply for the secondary mortgage, which will promote the role of second-hand property market, and can improve First-hand properties of Chengjie Li. From this view, the future of China real estate mortgage loans will become more and more common, and real estate mortgage is the election of a strong, must comply with many of the requirements and conditions can effectively. Therefore, the public in real estate mortgage services, it is best to have a certain degree of understanding, in order to compare the correct decision, to avoid unnecessary disputes and losses, thereby reducing the risk of increased security. According to relevant provisions of the law, there are six real estate mortgage may not be set up: one to a controversial property; second, for education, health care, municipal and other public welfare undertakings of the property; three, included in the heritage preservation of buildings and Of the important significance of the other buildings; four, corruption has been included in the notice of the demolition of the property; five, was shut down in accordance with the law, seizure, or other forms of regulatory restrictions on the property; six, corruption must not mortgage the other property. In the mortgage, the parties should sign a written mortgage contract, the contract should contain: (a) Mortgage, a mortgage of the name, and so on the basis of the situation; (b) claims the type, amount, (3) the basis for real estate mortgage , Name, position, the building area, (d) the value of real estate collateral, (e) the occupier of real estate collateral managers, occupiers management, the occupation of management responsibilities and accidental damage, loss of responsibility (6) mortgage period, (7) Mortgages loss conditions (8) breach of contract responsibility (9) dispute resolution methods (10) secured the contract to make the time and location; (11) The two sides agreed to other matters. After signing the contract, should be the seat of real estate management departments to lose the registration procedures and good procedures rear operator through the process. In general since the signing of the contract, within 30 days, the parties should be ready to mortgage the relevant documents to the relevant registry office to apply for registration. To provide individual mortgages to buy homes of the major banks are now available to individuals to purchase mortgage loans from the banks of a development bank to more than 10 home mortgage business for the major banks: China Construction Bank: Real Estate Finance Ministry. The bank personal housing mortgage loan market in a dominant position on the market share of 70 percent. Industrial and Commercial Bank of China: Ministry of real estate credit. Start too early, but not yet fully in this business. Bank of Communications: Real Estate Finance Ministry. Although the early start, but not yet in full swing this business. Agricultural Bank of China: Ministry of Finance. Is still at the initial stage, but growing rapidly. Bank of China: Ministry of Finance. Less business, but starting early, high-impact in some areas. Guangdong Development Bank: Finance Department. Yet only partially carried out within the framework of the business. Shenzhen Development Bank: Finance Department. Yet only partially carried out within the framework of the business. CITIC Industrial Bank: Finance Department. Yet only partially carried out within the framework of the business.
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