The online mortgage loan of Bank of Communications is a popular product among friends at present. Let me introduce how to apply for this product in detail for my friends. Let's take a look.
1. Log in to Bank of Communications online banking. After logging into the account, submit relevant information as required.
2. After passing the preliminary examination, go to the bank to sign a loan contract according to the requirements of Bank of Communications, and cooperate with the bank staff to handle the mortgage loan procedures.
After going through the relevant formalities, everyone can get the loan amount.
4. After obtaining the credit, everyone can access the loan at any time through online banking and mobile banking.
The above is the introduction of how to apply for online mortgage loan of Bank of Communications, hoping to be helpful.
Which platform of mortgage loan is reliable?
First, car loans.
Chelai Loan is a mobile phone software that provides vehicle mortgage loan. Anyone who has a car can come here to solve financial difficulties.
Second, worry-free car loans
Worry-free car loan is an online loan APP that does not bet on cars. Flexible term, fast loan and high valuation.
Third, China car flash loan
Shenzhou Car Flash Loan is an online loan APP. You can borrow money if you have a car, and you can lend money without taking a high-speed bus.
Fourth, CreditEase Car Loan
Yixin car loan is a super practical online loan APP, and you can borrow money if you have a car. Friends who have cars and need money urgently can choose.
Verb (abbreviation of verb) Chebang loan
Chebang Loan is a version of APP 4. 5. 9 that only makes cars. The maximum loan amount of each pledged vehicle is 80% of the appraised value: At present, some well-known domestic banks, such as China Bank, China Agricultural Bank, China Industrial and Commercial Bank and China Construction Bank, among which ICBC has the fastest mortgage loan. Other bank loans may be delayed by one month, but ICBC can complete them in five days at the earliest, so the loan efficiency and speed will be faster.
If you choose private banks, the well-known banks are Everbright, China Merchants, Xingye, Minsheng, CITIC and Communications. Among these banks, China Everbright Bank has the fastest mortgage loan when all banks need the same loan information.
Therefore, it is definitely easier for people with good qualifications to borrow money. But people with poor qualifications should not be discouraged, because different bank loan policies are different. If you only consult one bank that does not meet the loan conditions, you can actually consult several banks, shop around and choose the right bank loan.
To apply for automobile mortgage in a bank, you should meet the following conditions:
1, requiring the applicant to be 25-55 years old and have a stable income at present;
2. The vehicle certificate under its name is complete and there is no guarantee at present;
3. For the mortgaged car, the bank requires that the car age is less than 5 years and the journey is less than 80,000 kilometers;
4. The current appraisal value of the mortgaged car should be above 70,000 yuan. Although the bank's interest rate is the lowest, it requires high qualifications for cars and borrowers, and the application period is long. If the qualifications are good, you can consider the bank. If the qualification is not good, you can consult the pawnshop. Although the interest rate of pawn shops is slightly higher than that of banks, they have low qualification requirements and high pass rate, and can be received on the same day, which is more suitable for customers who need emergency funds.
Bank of Communications Online Mortgage Loan Process
Bank of Communications online mortgage loan process: the applicant applies, the loan bank reviews, the lender signs a house purchase contract with the development enterprise, the borrower signs a house purchase contract with the development enterprise, the borrower signs a personal housing mortgage loan contract with the loan bank, and the loan bank transfers money.
Online mortgage loan is completed online by scanning QR code through WeChat, such as real estate assessment, credit application and quota approval. Collateral verification, pre-loan investigation, contract signing, mortgage handling and other links are all offline, which are completed with the assistance of Bank of Communications staff. Fill in information such as mortgaged property on your mobile phone, without looking for a real estate appraisal company. The system will feedback the evaluation price and loanable amount in real time, and the loan can be released in up to 3 days. And the guarantee fee, mortgage fee and other expenses are exempted to minimize the financing cost. From the customer's point of view, "online mortgage loan" can make data run more, make customers run less errands, make banks bother more and save customers' costs.
At present, the online mortgage loan of Bank of Communications adopts the methods of "online evaluation, credit approval and offline standardized verification and investigation", mainly applying online first, and then applying for mortgage offline.
Online mortgage application process: firstly, log in to the online bank of Bank of Communications, and after logging in to the account, submit relevant materials as required; After passing the preliminary examination, according to the requirements of Bank of Communications, go to the bank to sign a loan contract and cooperate with the bank staff to handle the mortgage loan procedures; After going through the relevant procedures, everyone can get a loan credit; After obtaining the credit, you can get the loan at any time through online banking and mobile banking.
The application conditions of online mortgage loan are as follows: the borrower should be over 20 years old and not over 65 years old; The entity currently operating is the legal representative of the entity or a shareholder holding more than 20% of the shares; Personal credit is good, and there is no record of non-performing loans in the past.