L    Individual housing revolving credit loans (CMB)

Individual housing revolving credit business refers to the borrower to the name of owner occupied housing as the mortgage for revolving credit lines to banks, in no more than the credit is valid and the availability of credit conditions, the borrower may apply to many banks a man with a clear consumer or business use loans. Recycling business. The highest revolving credit line the value of the collateral property assessment for 70%, the longest period of 30 years, interest rate benchmark interest rate preferential interest rates downward float of 15%. (the borrower can use their own property mortgage or mortgage, mortgage loans to buy a house can apply for credit cycle)

Credit objects and condition;

1.    Natural person with full civil capacity, with valid proof of identity

2.    Loan applicant has a stable occupation and source of income

3.    Credit applicants age and credit limit expiration date shall not exceed the statutory retirement age plus 5 years

L    Individual housing mortgage loans with the same name

Individual housing mortgage loans with the same name refers to a set of housing the customer name, the housing loans not repaid, the market value of the housing rose a lot, customers would like to use this room to lend more money, for other consumption

The application conditions:

1       The applicant has obtained the original loans to buy houses (to) of all warrants

2       The applicant to obtain individual housing loans in repayment of bank, have more than one year (including one year), and no bad repayment records

3       The applicant has a stable source of income, also to repay the loan principal

4       The other line bank housing loans of the basic conditions

The application documents:

1         The identity certification / registration certificate or proof of income / highest education certificate / hand chapter

2         Proof of marital status

3         Borrowers spouse ID / proof of residence / hand chapter

4         All of the houses (to)

5         The individual housing loan contract and payment record

6         The borrower unmarried parents as a common borrowers

The basic data of loan applications:

Such as: housing (with purchase of the property housing permits) property information, sales contract (agreement) / the first payment of invoices or deposit receipt: provide the agreement for sale of second-hand housing one-time payment)

Purchase a car (to provide purchase a car purchase a car of the contract, the first payment of invoices or deposit receipt)

Decoration (with the decoration companies to provide decoration contract)

The number of loans into and life:

The maximum loan to 70% of assessed value, the duration of the loan and mortgage of real estate shall not exceed 30 years of age, the age of not more than 15 years, the interest rate to float downward 15%

Commercial housing. No more than 6, the loan period of not more than 10 years

L    Personal housing mortgage loan

 Xianfang mortgage refers to the borrower to themselves or third real estate as collateral for bank loans to buy a house, a car, for the comprehensive consumption, the borrower to staging or one-time debt service to the bank a credit.

The application conditions:

1.  A mortgage of real estate property to be clear, without any other mortgage;

2.  Issued by the departments of land administration departments of real estate, real estate;

3.  Mortgage property owners can be the borrower himself or others. The others all do real estate mortgage, the borrower must be issued by the consent of the mortgagee, the borrower to the notarization of property as collateral for loans, and mortgage and their spouses or other property right of common people signed in written documents..

4.    The applicant has a stable source of income, repayment of the loan principal and interest to

5.    Credit good, no bad repayment record.

Loan data:

1 the borrower and their spouse's ID card / residence booklet / hand chapter / marriage certificate / proof of income (monthly repayment of more than 2 times)

2 real estate warrants

3 the borrower accounts for the field to provide temporary residence permit and has the repayment ability of the city domicile of the guarantor, to provide proof of identity, proof of residence, proof of income, hand chapter.

4 if the borrower income has not reached the bank, can increase their parents as common repayment, to provide proof of identity, proof of residence, proof of income (monthly repayment of more than 2 times), hand chapter.

 

The related conditions of loans and loan applications:

Housing area (six areas of the city should be more than 50 square meters, the new suburbs housing should be more than 60 square meters); age generally not more than 15 years, the New District of not more than 8 years, the loan period of not more than 20 years, the number of loans into the top 7. The benchmark interest rate broke surface 10%, customers can apply for reference or preferential interest rates downward float of 10%

Purchase: (offer to buy the property housing permits) property information, sales contract (agreement) / the first payment of invoices or deposit receipt: provide the agreement for sale of second-hand housing one-time payment)

Purchase a car (to provide purchase a car purchase a car of the contract, the first payment of invoices or deposit receipt)

Decoration (with the decoration companies to provide decoration contract)

L    The small and medium-sized enterprise loan

The small and medium-sized enterprise loan is the enterprise financing to banks for loans, loan period is generally 1 to 3 years (average 1 years), the interest rate is the bank is set according to the size and the situation of enterprises, the general is the benchmark interest rate broke surface 30%-50%. (must have the collateral and complete procedures)

Data needed to apply for a loan: the business license (copy 3), organization code certificate, the identification certificate of the legal representative (photocopy), tax registration certificate (tax, land tax), credit card (photocopy), the articles of association of the enterprise (2 Xerox), financial statements (nearly 3 months of financial statements in recent 3 years, the balance sheet, income statement), capital verification report (2), nearly 3 months tax single (the proof copy), explained that the enterprise introduction, collateral (property list and documentation), feasibility report, project loan loan use instructions

Company business:

L    Short term financing business

The enterprise or individual in urgent need of capital turnover, itself a collateral (real estate, automobile). Borrowing from the bank for too long a time, so find some financial intermediary loan, used as working capital, the loan is short-term financing.

Required information:

1         Personal property mortgage, must have been the acquisition of real estate, and in the other bank unsecured. Required information: real estate, the mortgagor and the spouse's ID card, account of this, hand chapter. If enterprises do real estate mortgage, also need to provide the business license of the enterprise, the enterprise organization code certificate, the identification certificate of the legal representative, the loan card, such as financial statements.

2     Used cars for providing mortgage registration, mortgage: ID card, vehicle property card, car etc.. Such as enterprise car also need to provide business license, legal person id card, organization code certificate, shareholder resolutions.

Fee standard: the property as collateral, according to the evaluation of 50% of the value of a property as collateral value. Customer credit good can be 60% or 70%. Charge a monthly interest rate of 3%. With the car as collateral, according to the evaluation of the car value 40% as mortgage, charge a monthly interest rate of 4.5%.

Process: the needs of customers into the store, the clerk can call the right credit department related personnel, but also allows customers to communicate directly with the right credit department. With the intention of customers to cooperate with us units (with LaSalle public) to negotiate. Agreed to sign the contract first pawn, notary, and then to the housing authority into the mortgage, mortgage loans into the. The chain can be obtained (property 3% of the monthly car, 4.5% of the monthly) in 1% as commission, included in the individual performance.

L    Unlike the mortgage loan business (i.e. business underwritten)

Is still in the mortgage loans in the housing for sale again, and buy the bank or another bank to apply for mortgage loans. Including peer to the mortgage and the mortgage bank in two cases. In actual operation, is used to transfer the mortgage to the seller in advance owing on the loan.

Loan conditions:

1 the borrower and their spouse's ID card / residence booklet / hand chapter / marriage certificate / proof of income

2 real estate warrants

3 the seller and the spouse's ID card / residence booklet / hand chapter

4 the borrower accounts for the field to provide temporary residence permit and has the repayment ability of the city domicile of the guarantor, to provide proof of identity, proof of residence, proof of income, hand chapter.

5 if the borrower income has not reached the bank, can increase their parents as common repayment, to provide proof of identity, proof of residence, proof of income (monthly repayment of more than 2 times), hand chapter.

The loan period and a few loans and normal mortgage.

Simple process: first, the borrower qualification examination and approval, the bank approval, underwritten companies sell loans, housing is not paid for the cancellation of the housing property permits in advance. Both parties to the housing authority for the transfer, the mortgage. He of warrants issued after the bank loan.