Bank mortgage refers to a kind of personal repayment of the principal and interest when the individual purchases the house due to insufficient funds, after paying the first installment, using the real estate as the collateral, and paying the balance to the bank. loan serviceBank loan
The approval process is as follows (for reference): 1. Application for loan: 1. Basic information of the borrower and the guarantor; 2. Financial report of the previous year approved by the financial department or accounting (audit) office, and the financial report of the previous period of the loan application. 3. Correction of the loan that was originally unreasonably occupied; 4. Collateral,Pledge
The list of goods and the consent of the decentralized person to pledge, the proof of pledge and the relevant evidence that the guarantor intends to agree to the guarantee; 5. Project proposal and feasibility report; 6. Other relevant information that the credit cooperative thinks need to be provided; 2. Credit rating assessment The credit cooperatives evaluate the credit rating of the borrower; third, the loan investigation, the credit cooperatives investigate the legality, safety and profitability of the borrower; Fourth, the loan approval, the credit union separates according to the trial loan, and the grading approval The loan management system carries out loan approval; Fifth, the contract is signed, the credit cooperatives sign the loan contract with the borrower; 6. The loan is issued, and the credit cooperatives issue the loan on time according to the loan contract; 7. After the loan is checked, the credit cooperative performs the loan on the borrower. The contract situation and the operation of the borrower shall be tracked and inspected; 8. The loan shall be returned, the loan shall expire, and the borrower shall repay the principal and interest of the loan in full and on time.