"Finally her parents had." Shanghai Financial Leasing Co., Ltd. General Manager Wang Zhiyao true guarantee to the "Daily Economic News", said excitedly.
As a set up 3 years warranty 4 billion yuan total, no one case of problems, general manager of security guarantees, Wang Zhiyao still feel a trace of helplessness. He introduced, as a single former security companies are doing business with the bank's cooperation has been in a vulnerable, social recognition is not high. He said the benefits of the establishment of a security trade association, the most important thing is to have a unified organization within the association, associations and banks, associations and the government has established a link. Wang Zhiyao noted that the association set up, can enhance cooperation between industry, previously secured some large projects, a single company can not guarantee access to bank approval, the future can be secured through several cooperation. At the same time association with the banks to allow Association members to be recognized by banks, the banks in secured lending in the timely help. As a trade association, the industry can also call in a timely manner with the government authorities for effective communication, which are a single force can not guarantee companies and the.
Secured loans to find rules to follow
When he learned that Shanghai will set up a security trade association news, many SMEs have agreed. "In the future to find a rule-based security agency finally." On the Beach Ocean Electric Co., Ltd. General Manager Yangbing Lin told reporters. According to him, the search for security, do not know what kind of security company-related businesses, some security companies offer for it too, finally gave up some of the projects. With the security industry association can go to the Association for security advice to facilitate financing for SMEs. Some business owners hope that the association can truly service-oriented, to serve its members, services for the majority of SMEs in SME financing to accomplish something.
Bank Loan Process
A loan amount:
Secondary maximum amount of residential loans in order to assess the value of the purchase price of housing between the minimum value for the base housing within 10 years the maximum amount of 70%; 11 to 20 years the maximum amount of housing 60%
Second, loan period:
Fang Ling and loan deadline and a maximum of 30 years; term of the loan plus the borrower's age shall not exceed 60 years male, 55 female; loans for a maximum period of 20 years
Third, housing requirements:
85-year period prior to the housing loans up to 5 years
Less than 50 square meters and houses 85 two years ago to meet the housing credit lines point to 4 percent
Note: The above two conditions prevail as the actual verification
4, for the object:
1, must be Tangshan Tangshan City or the surrounding counties have a stable job and income, outsiders can provide security and to provide a temporary residence permit
2, income limit requirement: monthly repayment amount can not exceed the borrower's monthly family income of 55%, and the rest is sufficient to maintain normal family life; married couples must provide proof of income, if the borrower before a car loans, mortgages and other loans, total monthly income must be greater than twice the monthly payments, and no history of poor repayment of loans (the borrower if the mortgage interest rate in accordance with the second implementation of the benchmark rate)
3, single, monthly income must be more than twice the monthly payments
4, all borrowers must provide a guarantor, the guarantor's income not required, but the sponsor must not have an adverse loan repayment history; if the borrower either both spouses are not in the administrative organs, institutions, state enterprise workers, and must be The units provide a guarantor
5, individual businesses and provide business license, tax license, financial statements, tax payment certificate
6, the guarantor is not required until proof of income, but the sponsor must be no bad repayment history
5, loan process:
1. After the signing of sales contract, notify the buyer and seller to prepare the relevant materials.
2. Bank of the trial (two days)
3. Trial by, the bank released "borrower notice of approval" for processing transfer procedures
4. After the transfer formalities, the first payment within three working days hit the books on the seller, and also apply for land certificates
5. Arrangements for buyers and sellers to sign client side (1, to buy prescribing book; 2, the guarantor must be present)
6. The right to apply for registration of his items
7. In his entry after the registration formalities in 10 working days to receive items of property, and his warrant card
8. To warrant sending him items of banks
9. Bank loans
6, loan information required:
1. The houses of personal data:
ID card of the houses, houses, papers and a copy of a copy of spouse ID card 1
Land ownership certificate and copy of the certificate 1
People and the houses, the photocopy of each spouse 1 account (where the parties and where the accounts of the home page)
Marriage certificate copy of the houses, 1 person
A copy of the book and the book
2. The borrower (buyer) information:
3 copies of ID card copy of the borrower and the borrower 3 copy of spouse ID card copies
Account of the borrower and the spouse of a copy of all 2 (where the parties and where the accounts of the home page)
Borrower and the spouse's income to prove that the 1
2 copies of marriage certificate (marriage certificate, proof single, single, divorced and the divorce certificate to prove he is still single)
3. Bank internal standard information:
Personal loan certificates (a type 6)
Individual housing loan application form
Individual housing loan risk assessment form
Planning commission shall debit authorization (2)
Listing real estate mortgages (2)
Power of attorney (authorization Loan Bank System in the People's Bank personal credit check lenders credit report)
4. Housing Authority mortgage program parts are:
Housing Application Form for Registration of other rights 1
Apply for housing loans, power of attorney (bank) 2
Private Mortgage Guarantee 1
Power of Attorney (Housing Authority security center) 2
Mortgage application and registration form 1
Warranty 1
2 copies of the legal representative of the Certificate of Identity
Marital status of mortgage applicants a statement of the book 1
Banking business license 2
2 copies of corporate identity
Copy of ID card of 2
New real estate license, a copy of all land certificates 2
Assessment Report 1
Note: In addition to these materials, the outsiders must provide a temporary residence permit another copy of a copy;
Special circumstances require proof of income to have a guarantor guarantor 1, ID 1 Xerox copy of a copy of this account
7, the customer with the information needed to be signed in:
The borrower and the guarantor the same time the couple arrived at the scene, the two sides should bring ID card, household, marriage certificate (foreigners with temporary residence permits would be required for the original) and related costs (mortgage costs 420 yuan), the guarantor identity card, account this
8, charges:
1, warrant his entry outside USA: 300 yuan ---- City Housing Authority security center
2, insurance: Loan amount * factor * 0.119% Insurance - Insurance Companies;
3, mortgage payments: (80 / single) - City Housing Authority
4, Chadang fee: 40 yuan - City Housing Authority
5, notary fees: The following fee loan 200 000 200 yuan, increasing 100 000 surcharge for each subsequent 100 - Notary Service
9, Attention:
1, ID is expired, identity card number, name it with the account books, marriage certificates in line, such as the need to correct discrepancies before they can apply for loans.
2, proof of income with a pen or pen and fill in, shall not be altered, must be stamped with the unit an official seal or official seal of large enterprises in the Lao Zike.
3 copies of the property ownership certificate department official seal, mortgage write-offs should be clear.
4 pieces of second-hand housing loans in the housing service life should be the year of calculation of housing completed. For example: a housing completed in 1998, the useful life of the housing for the 2005-1998 +1 = 8 years
5, after examination and approval procedures for mortgage loans, loan contracts and to be promptly transferred to the borrower-related bills to avoid late payment.
6, since the customer transfer process from the date of the loan process takes 16 days or so, pay attention to work with customers to explain.
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