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Is there a mortgage for a mortgage?

Questioner: @a.*** City: National Label: Credit loan Question Time: 2017-11-12 11:43
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  • Leaf manager Credit manager Service area: Luoyang Service organization: Ping An Puhui
    2017-11-14 20:58
            Of course, you can come to us safely.
  • Manager Tang Credit manager Service area: Linyi Service organization: Chengxin financing
    2017-11-14 14:30
            Hello can doCredit Loans
  •             Enthusiastic friends
    2017-11-13 14:38
            First, the detailed application materials are as follows:
    1. Work certificate: It can be the original work certificate issued by the employer (please specify the specific company name, department, position and income, and affix the company official seal or personnel chapter), or verify the original by the promoter and indicate A copy of the work permit\ card; 2, identification: generally an identity card (if a new version of the ID card is used, a copy of the front and back is required), the military must provide a copy of the military certificate;
    3. Financial proof: It can be a bank's payroll record, or income tax withholding certificate, or proof of room, car, deposit and investment market value (such as real estate license / car driving permit / bank deposit certificate) can prove financial resources Level of information. Other documents for reference include: list of social insurance personal accounts for nearly 6 months, water and gas bills, and other credit card bills.
    Second, the concept of introduction:
    1. A mortgage, also known as a houseMortgage. Mortgage is an application for a homeowner to report a mortgage to a bank and provide legal documents such as an ID card.Proof of incomeThe documents required to be submitted by the house sale contract, guarantee letter, etc., after the bank has passed the examination, promised to the buyer to issue the loan, and according to the house sale contract provided by the buyer and the mortgage loan contract between the bank and the buyer. Real estate mortgage registration and notarization, the bank will directly transfer the loaned funds to the account of the bank in the bank within the time limit stipulated in the contract.
    2,Credit LoansRefers to a loan issued in the creditworthiness of the borrower, the borrower does not need to provide a guarantee. The characteristic is that the debtor can obtain the loan only by virtue of his own credit without providing collateral or third-party guarantee, and the borrower's credit degree is used as the repayment guarantee. This kind of credit loan isBank of ChinaThe main way of lending for a long time. Due to the high risk of this type of loan, it is necessary to conduct a detailed inspection of the borrower's economic benefits, management level, and development prospects to reduce risks. It is mainly applicable to enterprises (business) legal persons, other economic organizations, 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 Banks.
  •             Enthusiastic friends
    2017-11-13 18:00
            The borrower repays the principal and interest of the loan in full and on time during the mortgage period, andPersonal credit historyGood, you can apply for a loan.
    1. The borrower will review whether to lend according to the conditions in the mortgage period:
    ! When applying for a loan, the lending institution will first check the credit status of the borrower, and then check its repayment ability. If the repayment ability is not strong, even if the credit is good, it will not be able to obtain the loan.
    2, the existing loan is still, its credit record is good, the sum of the monthly repayment of new and old loans does not exceed 50% of the monthly income, then re-loan is no problem;
    3. If the credit record is good and the monthly repayment amount is too high, the loan cannot be refinanced; if the loan is overdue in the process of repaying the mortgage, it will not be able to obtain the loan.
    2. The borrower can also meet the funding needs in the following ways during the mortgage period:
    1,Unsecured loanIt is not the only option. If you have a car under your name, you can apply.Car mortgageTo meet the funding needs;
    2, if you hold on your handLarge credit cardIn case of urgent need of funds, you can also use credit card to withdraw cash. However, if you use a credit card to withdraw cash, the cardholder must pay interest in addition to the handling fee (in accordance with the daily interest rate of five tenths of a day);
    3. The loan amount is not large, and the credit card installment can be applied on the basis of the mortgage.
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