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Is there credit for a mortgage?

Asked by: @a. *** City: Nationwide Tags: credit loans Question Time: 2017-11-12 11:43
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  • Manager Chen Credit manager Service Area: Luoyang Service agencies: Pratt & Whitney peace
    2017-11-14 20:58
            Of course, we can come to peace
  • Manager Tang Credit manager Service Area: Linyi Service agencies: Cheng Xin financing
    2017-11-14 14:30
            Hello, you can do itCredit Loans
  •             Enthusiastic users
    2017-11-13 14:38
            First, the detailed application information is as follows:
    1, Proof of work: It can be the original proof of work issued by the office unit (please specify the name of the company, department, position and income, and affix the company seal or personnel), or the promoter verified the original and indicate Of the work permit \ card copy; 2, identification: usually ID card (if you are using a new ID card, positive and negative photocopies), military personnel need to provide copies of military certificates;
    3. Proof of financial resources: It can be proof of financial resources such as bank payroll on behalf of employees, or withholding certificate of income tax, or certificates of market value of houses, vehicles, deposits and investments (such as photocopies of real estate certificates / vehicle driving certificates / bank certificates of deposit) Horizontal information. Other documents available for reference include: nearly six months of social insurance personal accounts list, water, gas bills, his credit card bills.
    Second, the concept of introduction:
    1, mortgage, also known as housingMortgage. Mortgage, home buyers to the bank by filing a mortgage application and provide legal documents such as identity cards,Proof of income, The sale of housing contracts, letters of guarantee and other required documents must be submitted to the bank after passing the examination, promised to buyers loans, and in accordance with the buyers and sellers to provide real estate sales contracts and mortgage buyers and the bank entered into a contract for the mortgage Real estate mortgage registration and notarization, the bank within the time limit specified in the contract, the loan funds directly into the sale of units in the bank's account.
    2,Credit LoansRefers to the loan issued by the borrower's credit, the borrower does not need to provide security. The feature is that the debtor can obtain a loan without credit or third party guarantee based on his own credit, and use the borrower's credit rating as a guarantee for repayment. This type of credit isBank of ChinaThe main long-term loans. Due to the large risk of such loans, it is generally necessary to conduct a detailed investigation of the borrower's economic benefits, management level and development prospects so as to reduce the risks. It is mainly applicable to enterprises (enterprises), other economic organizations and individual industrial and commercial households approved by the administrative authorities for industry and commerce and meets the requirements of the General Rules for Loans and Bank Regulations.
  •             Enthusiastic users
    2017-11-13 18:00
            The borrower has repay the principal and interest of the loan on time and in full within the mortgage period, andPersonal credit historyGood, can handle the loan again.
    First, the borrower in the mortgage period banks will be under the conditions for approval of whether to lend:
    ! When applying for a loan, the lender will first check the borrower's credit status and then check its repayment ability. If the repayment ability is not strong, the credit institution can not even obtain the loan.
    2, the existing loans are returned, the credit record is good, the sum of the monthly repayments of old and new loans does not exceed 50% of the monthly income, then the loan is no problem;
    3, if the credit record is good, the monthly repayment amount is too high, you can no longer loan; if in the mortgage process, the more the number of overdue, also can not get credit.
    Second, borrowers in the mortgage period can also meet the funding needs by the following ways:
    1,Unsecured loanIs not the only option, if the name of a car can applyCar mortgage loan, To meet the funding needs;
    2, if the hands holdLarge credit cardIn the case of badly needed funds, credit cards can also be used for cash withdrawal. However, when withdrawing cash with a credit card, the cardholder needs to pay interest (at an interest rate of five thousandths per day) in addition to the handling fee.
    3, the amount of loans is not large, you can apply for a mortgage-based credit card installment consumption.
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