How to do online business loan mortgage loan, accidentally clicked on the online business loan

Mortgage a property in an individual's name to obtain a one-time or recycled loan for consumption or business purposes. In addition, the borrower must be at least 18 years old, have full capacity for civil conduct, have a fixed residence, stable economic income**, have the ability to repay the principal and interest of the loan, and have good credit.

Specific handling process:

1.For a mortgage loan, you need to have all the documents, including the ID cards of both husband and wife.

Marriage certificate of household register.

Real estate certificate, purchase contract or bank statement of personal account for nearly half a year.

2.When the house is mortgaged, the bank reviews the borrower's loan application, purchase contract, agreement and related materials. The borrower shall hand over the title deed and insurance policy of the mortgaged property to the bank for custody. The borrower and the borrower sign a mortgage loan with a guarantor.

contract and notarization.

3.After the contract is signed and notarized, the bank's deposits and loans to the borrower are transferred to the sales unit or building unit specified in the purchase contract or agreement.

4.ID cards, household registration books, marriage certificates, real estate certificates, house purchase contracts or evidence, and bank statements of personal accounts for the past six months.

The main processes of a home mortgage are:

1. The borrower shall fill in the application form for residential housing mortgage before taking out the loan, and submit the following supporting materials to the bank:

1. Proof of the borrower's fixed economic income issued by the borrower's unit;

2. Credit certification documents such as business license and legal person certificate of the loan guarantor;

3. The borrower's legally valid identity certificate;

4. The relevant housing ownership certificate or the certificate of the right to dispose of the housing in accordance with the law;

5. Appraisal report, appraisal and insurance documents of the mortgaged property;

6. Contracts, agreements or other supporting documents for the purchase and construction of housing;

7. Other documents or materials required by the lending bank;

If the mortgage loan is submitted, the professional financial advisor will contact the lender within 1 working day, and you can apply to the financial advisor for cancellation at that time. If you have an online business mortgage loan, if you want to get a mortgage loan, you must first have real estate, because the housing mortgage is to mortgage real estate in the name of an individual, so as to obtain a one-time or recycled loan for consumption or business purposes, if you need to apply, you must first have unsecured property, and the borrower is at least 18 years old and has full civil capacity, has a fixed residence, stable economic income**, the ability to repay the principal and interest of the loan and good credit.

1. Application for housing loan.

1. The borrower is between 18 and 60 years old; Have the nationality of the People's Republic of China, full capacity for civil conduct and legal and valid identity documents;

2. The borrower and his/her spouse meet the credit record conditions stipulated by the user's bank;

3. Have a fixed residence or a stable work unit;

4. If the loan is used for consumption, the credit score is 580 points (inclusive) or above, and if the loan is used for business, the credit score is 465 points (inclusive) or above.

5. Stable income and ability to repay credit on time;

2. House mortgage requirements.

1. The borrower is between 18 and 60 years old; Have the nationality of the People's Republic of China, full capacity for civil conduct and legal and valid identity documents;

2. The borrower and his/her spouse meet the credit record conditions stipulated by the user's bank;

3. Have a fixed residence or a stable work unit;

4. If the loan is used for consumption, the credit score is 580 points (inclusive) or above, and if the loan is used for business, the credit score is 465 points (inclusive) or above.

5. Stable income and ability to repay credit on time;

6. The purpose of the loan is reasonable and clear.

To sum up, pay monthly to avoid penalty interest, from the next month after the loan is initiated, the next month's loan disbursement time is generally the repayment date, do not default on liquidated damages due to your own negligence, which will make the bank unable to approve the loan application again, properly keep the contract and IOU, read the terms of the contract carefully, and understand the rights and obligations.

This is indeed a mortgage, not a form of line of credit, which requires you to use the house as collateral to be able to lend money, but the approval process may be simpler than that of the bank.

This is not a mortgage, but a line of credit, which uses your personal credit to make a loan.

It is mortgaged, because it is already a mortgage, so it will definitely mortgage its own house, and some proof will be submitted, and it will not be a credit loan.

The mortgage is not a mortgage, it is generally a credit loan, and you can only take out a loan according to some of your points in Alipay.

It should be a mortgage, this is not a credit loan, and it is also the money mortgaged from your own house.

It is a credit loan, and this ** is also related to Alipay's credit score, and if the general credit score is relatively high, the amount that can be borrowed is also relatively high.

This situation is not a mortgage, it is a credit loan, and it is also necessary to repay the arrears within a certain period of time, otherwise it will affect the credit problem if it is overdue.

I can't go back.

Extended information: "Housing loan" refers to the borrower's application from the bank for a one-time or recycled RMB loan for consumption or business purposes with real estate (housing, commercial and residential housing) in the name of a natural person as collateral.

Condition 1: The borrower is between 18 and 60 years old; Have the nationality of the People's Republic of China, full capacity for civil conduct and legal and valid identity documents;

2. The borrower and his/her spouse meet the credit record conditions stipulated by our bank;

3. Have a fixed residence or a stable work unit;

4. If the loan is used for consumption, the credit score is 580 points (inclusive) or above, and if the loan is used for business, the credit score is 465 points (inclusive) or above.

5. Stable income and ability to repay credit on time;

6. The purpose of the loan is reasonable and clear.

7. Open a personal settlement account in the Agricultural Bank of China.

Mortgage term.

If the non-revolving method is adopted, the maximum term of the loan is 10 years; If the self-service revolving method is adopted, the maximum term of a single loan is 5 years; If the non-self-service revolving method is adopted, the maximum term of a single loan is 10 years.

Mortgage interest rates.

The execution interest rate of the loan shall be implemented in accordance with the relevant provisions of interest rate pricing.

Mortgage Limit.

The loan amount is comprehensively determined according to the value of the collateral, the mortgage ratio and the ability to repay debts, and the maximum loan amount for a single customer shall not exceed 10 million yuan in principle.

What are the requirements for online business loans?

At present, the online business loan is still gradually opening up, not everyone can open the online business loan business, and the user needs to meet the conditions for opening the online business loan

1. Online business loans and borrowing are relatively similar, and there are requirements for the user's sesame credit, and a sesame credit score of more than 600 can be applied;

2. If the user wants to open an online business loan, he needs to open Huabei first;

Users who meet the above two conditions can check whether they are eligible to open an online business loan in Alipay, if so, then the user can follow the prompts to open the operation, if not, then the user will not be able to open the online business loan business.