Loans must meet the conditions before they can be issued. Loan processing conditions: 1, good occupation with stable income, population in China, full capacity for civil conduct, age 18-65, illegal loan repayment record and bad credit; 4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided; 5. Other conditions stipulated by the bank.

2. What is the process of the remaining loan of Suzhou Bank?

1, loan application:

The loan applicant applies to the bank, inquires about the credit authorization, fills in the application form in writing, and puts forward requirements for the purpose, amount and duration of the loan, and completes the preliminary examination process.

2. Prepare loan materials:

The Borrower and the Mortgagor shall prepare all the documents required to apply for the loan as required, mainly including: ID card of the borrower and spouse, household registration book of the borrower and spouse, corresponding personal consumption contract, marital status certificate, house ownership certificate, ID card, household registration book of the owner and spouse, marital status certificate, personal income, business flow and enterprise tax return. If your information is incomplete, you can entrust Suzhou loan consultant to complete the processing.

3. Take photos to see the house:

If it is a bank loan entrusted by Suzhou Loan Company, the account manager will arrange everything, accompany the next house to see the house and provide the core photos of the next house.

4 loan approval materials:

All materials are sorted out and taken away by the account manager in the bank, and the customer application report and explanation are written. All loan application materials are submitted to the bank for approval together with the evaluation report or appraisal opinion.

5. Go to the bank to sign a loan contract:

After the approval, the customer brings relevant documents to the bank to sign the contract, mainly written materials such as loan contract and repayment commitment letter.

6. Mortgage registration procedures:

Banks apply for mortgage registration at the property rights offices of housing management bureaus in various districts of Suzhou with the house ownership certificate and notarized loan contract. Now many banks handle online mortgages, and some don't have to go to the Housing Authority.

7. Loans received:

When the real estate license came out, the bank began to apply for loans. Borrowers open repayment accounts, and banks lend money to them. Accounts are generally divided into corporate accounts, personal accounts and entrusted accounts.

The above is the loan process and brief description of Suzhou real estate mortgage loan, and the next payment time is usually 7- 12 days.

3. How did Suzhou Bank handle it?

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4. What are the conditions for Suzhou Bank loan?

The conditions required for bank loans are as follows: 1. The lender has a fixed residence, permanent residence or valid residence certificate at the location of the loan bank; 2. The lender is a citizen of China, under the age of 65, with full capacity for civil conduct; 3. The lender's credit record and repayment willingness are good, and there is no bad credit record; 4. The lender has a legitimate occupation and stable income, and has the ability to repay the loan principal and interest on schedule; 5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations; 6. Being able to provide legal, effective and reliable guarantee recognized by the bank; 7. Open a personal settlement account in a loan bank. The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan; Correct the original unreasonable loan; List of mortgaged property and pledged property, the consent certificate of the person who has the right to dispose of the mortgaged property and pledged property, and the relevant certification documents of the guarantor's consent to guarantee; Project proposal and feasibility report; Other relevant information deemed necessary by the lender. How to take the bank loan process The bank loan process is as follows: 1. The borrower applies for a loan from the bank and submits the information required for the loan; 2. The bank accepts the loan and conducts examination and approval to see if it meets the loan conditions; 3. After approval, the borrower signs a loan contract with the bank; 4. After signing the contract, go through the mortgage registration formalities; 5. The bank issues loans to borrowers; 6. The borrower repays the loan in full and on time; 7. After the loan is settled, the mortgage cancellation formalities shall be handled. Legal basis: Article 25 of the General Principles of Loans. If the borrower needs a loan, he should apply directly to the host bank or the agent bank of other banks. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1. Basic information of the borrower and guarantor; The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period before applying for a loan; Three, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention; V. Project proposal and feasibility report; Other relevant information deemed necessary by the lender.