Bank mortgage refers to an individual who purchases a home due to lack of self-owned funds, after paying the initial payment, using his real estate as a mortgage, borrowing money from the bank to pay the balance, and paying the interest according to the agreed time and repayment schedule. loan serviceBank loan
The approval process is as follows (for reference): 1. Application for loan: 1. Basic conditions of the borrower and guarantor; 2. Financial report for the previous year approved by the financial department or accounting (audit) office, and the financial report for the previous period of the loan application 3. The correction of the original unreasonably occupied loan; 4. The collateral,Pledge
List of items and the consent of the person with the right to dispose of the mortgage, the proof of the pledge and the guarantor intends to agree to guarantee the relevant proof; 5, project proposal and feasibility report; 6, credit cooperatives need to provide other relevant information; Second, credit rating assessment The credit unions assess the borrower's credit rating; third, the loan investigation, the credit union investigates the borrower's legality, safety, profitability, etc.; 4. loan approval, credit agency separation, graded approval The loan management system is used for loan approval; V. The contract is signed, and the credit agency signs a loan contract with the borrower; 6. The loan is issued, and the credit union issues the loan on schedule according to the loan contract; 7. After the loan is checked, the credit agency executes the loan for the borrower. The situation of the contract and the borrower's operation were followed up and checked. VIII. The loan was returned and the loan was due. The borrower repaid the loan principal and interest on time and in full.