Bank mortgage loans generally need to meet the following conditions: 1, the actual age of a natural person with full civil capacity at the maturity of the loan is generally not more than 65 years old; 2. Have legal and valid identification (resident ID card, household registration book or other valid identification) and proof of marital status; 3. Have good information records and willingness to repay; 4. Have a suitable job and a stable source of income, and have the ability to repay the loan principal and interest on time; 5. The mortgaged house has clear property rights, meets the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgages. Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; 6. Have the ability to pay the down payment of the purchased house; The newly purchased house as the highest mortgage must have a legal and valid purchase contract, the purchase period shall not exceed 10 year, and the down payment shall not be less than 30% of the total purchase price; If a house is purchased for mortgage loan, the original mortgage loan has been repaid for more than one year, and the loan balance is less than 60% of the mortgaged house value, and the house ownership certificate is obtained with the house as collateral, and the house age is within 10 year; 7. The borrower has a legal and effective purchase contract or agreement; 8. There is an effective guarantee recognized by the lender. : Loan process (1) Apply for a loan. The purpose, amount and duration of the loan applied by the borrower to the financial institution. If the loan application meets the loan scope of financial institutions, then you need to prepare the corresponding materials. (2) Submit loan information. Submit application materials, including but not limited to the following contents (also subject to the specific product regulations of each bank): borrower's ID card, tap water in the past six months, work certificate, credit report, property right certificate, etc. (3) evaluation. After submitting the materials, the bank conducts on-site investigation and evaluation according to the collateral. Each link is an important link in the process of real estate mortgage loan, which directly determines the amount of your housing mortgage loan. (4) Apply for loan approval. The housing appraisal company submits the appraisal report or appraisal opinion to the bank for approval. (5) sign a loan contract. The borrower and the lending institution shall sign and seal the loan contract and relevant documents, which shall be notarized by the notary office. (6) mortgage registration procedures. The bank holds the house ownership certificate and the notarized loan contract to the real estate agency for mortgage registration. (7) bank loans. Due to the different regulations of each bank, loans will be issued in the form of cash, punch card or remittance to the cooperative merchant account. (8) Repayment on schedule. This cannot be ignored. It is an important link to establish good credit. If the repayment is made in full on schedule, it may play a positive role in promoting the borrower's future borrowing and job hunting. (9) After the loan is settled, the mortgage registration cancellation formalities shall be handled. After the loan is settled, go to the real estate bureau to handle the mortgage cancellation procedures.
Second, what are the conditions for microfinance?
It depends on whether your monthly income can be reflected in the running water of the bank.
3. What are the conditions of microfinance?
Personal small short-term credit loans refer to RMB credit loans with a term of less than 1 year and an amount of less than 20,000 yuan. In order to solve the needs, no guarantee is provided. Lenders refer to the branches of Industrial and Commercial Bank of China that provide personal small short-term credit loans. The borrower refers to a citizen of China who has a permanent residence in the town (or a valid residence certificate) and is fully qualified as a civil borrower to apply for personal small short-term credit loans. The borrower must meet the following conditions: 1, have a fixed residence and local town in China, and have full capacity for civil conduct; 2. Have a proper occupation and stable economic income (monthly salary income should be above 1 000 yuan), and have the ability to repay the loan principal and interest on schedule; 3. The borrower's unit must be an administrative, enterprise or institution recognized by the lender and having a good cooperative relationship with the lender, and the lender will pay wages on its behalf; 4. Abide by laws and regulations, and have no illegal acts and bad credit records. Banks open peony credit cards or current savings accounts; 6. Sign an agreement with the lender to deduct the loan from its peony credit card or current savings account. 2. The term of short-term credit loan is below 1 year (inclusive). (2) The interest rate of personal small short-term credit loans shall be subject to the short-term loan interest rate stipulated by the People's Bank of China, and the floating range shall be subject to the relevant provisions of the People's Bank of China. In case of interest rate adjustment during the loan period, if the contract interest rate is implemented monthly, the interest will be calculated at the interest rate of 6 months. (three) the starting point of personal small short-term credit loans is 2000 yuan, and the loan amount does not exceed the average monthly wage income of the borrower in 6 yuan. (four) personal small short-term credit loans are generally not issued. If the loan cannot be repaid on schedule due to force majeure or accidents, it may be extended for one time with the consent of the lender, and the pre-term interest shall be paid at the interest rate agreed in the original contract. For the postponed month, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the postponed date; If it is more than 6 months, the interest will be calculated according to the 1 year loan interest rate listed on that day from the date of extension. , the following information shall be provided to the lender: 1, loan application approval form; 2. My valid ID. □ Support target: SME loans for young people under the age of 40 who start their first and second businesses. □ Loan amount: the per capita single loan amount is generally less than 6,543,800 yuan, the maximum loan amount for each household of small and medium-sized enterprises is generally less than 5 million yuan, and the maximum loan amount is not more than 30 million yuan; Term of loan-interest rate: preferential interest rate will be implemented for projects included in the credit platform of provincial, prefecture (city) and county governments. The interest rate of small loans under the lending model is determined by the development bank and local cooperative banks, and the interest rate of entrepreneurial youth loans with good credit records is preferential under the same conditions. □ The basic process industry submits a written loan application to the local youth entrepreneurship management office. 2. The local youth entrepreneurship management office recommends loan objects and projects to enter the guarantee platform for loan projects. 3. After the financing platform and the guarantee platform review the loan objects and projects, they shall submit them to the local credit promotion association for organizing a loan review meeting. 4 projects reviewed and approved by the loan review meeting shall be recommended by the financing platform to the provincial branches of the Development Bank. 5. The provincial branch of the Development Bank will feedback the project audit to the Communist Youth League Committee. 6. For the approved project, the provincial branch of the Development Bank shall notify the financing platform and guarantee platform of the project application place in writing to sign a credit contract and issue loans. The financing platform entrusts commercial banks to issue loans to young entrepreneurs and young entrepreneurs, and young entrepreneurs and young entrepreneurs provide counter-guarantees to the guarantee platform.