Mortgage loans credit collateral loan portfolio

1, collateral: the borrower himself or a third person's own property as housing, already have "real estate license." 2, mortgage process: (1) holding title deed to the property the premises of the Housing Authority asked the county where the property can apply for registration of real estate mortgages; (2) can be handled by the exact answer to the "property card" and related personal information to build the bank's management agency in consumer loans mortgage loan application process; (3) CCB property assessment agency designated to provide the applicant's own assessment of property and real estate assessment report submitted by assessing the value of 3 ‰ to charge a fee; (4) China Construction Bank to help applicants apply for property insurance, loan approval procedures and the appropriate procedures, the maximum credit line of not more than 70% of assessed value, and the examination and approval of contracts and mortgage contracts loans; (5) real estate license holders borrower, loan contract to the county where the premises of the bureau in real estate mortgage registration, authority costs borne by the borrower; (6) mortgage registration completed, the CCB before lending to borrowers in the personal savings account. Second, collateral loans 1, pledge of property: the borrower himself or a third person holds the right to legal documents, including: (1) securities. Including the Beijing Branch of the agency issuing financial bonds, AAA grade corporate bonds, government bonds (laws and regulations can not be other than a pledge); (2) Beijing Branch of the agency issuing the certificated treasury bonds (issued after 1999); (3) Beijing Branch of the individual issued the foreign currency deposit receipts and periodic one passbook; (4) Beijing branch approval of other legal, valid certificate authority. 2, pledge process: (1) certificate holders the right to a personal management agency for an integrated consumer loan collateral loans; (2) verify the pledge of documents of title, and eligible for pledge registration; (3) CCB receipt of documents of title pledge to carry out procedures for loan approval, loan amount no more than the right to pledge 90% of voucher denominations and with the approval of a loan applicant agreed to sign the loan contract and the pledge contract; (4) China Construction Bank loans to borrowers personal savings account. Third, combination loans Borrowers can draw the right mortgage or pledge certificate for individuals with a comprehensive consumer loans, lines of credit secured by two methods allow the cumulative amount of loans, loan process ibid. Fourth, credit 1, borrowers apply for individual credit in my comprehensive consumer loans, the CCB to determine the creditworthiness of the borrower under the credit line of up to 600,000 yuan. 2, loan applicants to provide information (are able to provide the following information is provided); (1) valid ID card, residence booklet, military officer. (2) where the certificate of credit investigation letter, including vocational nature, staff stability. (3) Personal Consolidated income proof. (4) individual work permits and payroll records or pay on behalf of the list. (5) University diploma, professional title certificate. (6) real estate license or a rental contract that the housing situation. (7) marital status and children cases. (8) The recent water, electricity, gas, telephone charges and any proof of a bill or neighborhood. (9) with CCB-related conditions and other personal loans that business. (10) Personal Dragon card and the last six months of the bill. (11) other financial assets that (such as stocks Jiaoge Dan, savings, personal insurance, funds, bonds, etc.) (12) according to the customer the actual situation, the need for other information. 3, client manager according to the borrowers credit ratings to determine credit lines and the corresponding period for loan approval procedures, loan amount does not exceed the corresponding amount of the credit rating to allow issued, issued with the approval of the applicant agreed to sign the loan contract. 4, China Construction Bank loans to borrowers personal savings account. Credit Loan Company Case Zhong'an Credit Venture Capital Co., Ltd. is a dedicated individual businesses and small business secured loans refinance loans consolidation loans refinancing home equity consolidation consolidation loans secured loanowners and individuals to provide quick and easy, mortgage-free, non-secured small business loans. Since 2004 the company began to explore mortgage-free, non-secured small loans, total loans the country has the largest micro-credit services to customers at most. World Bank, China Development Bank, Bank of China, Construction Bank commissioned the Chinese Shun business loans, in Shenzhen, Beijing, Hebei, Fujian, Guangdong, Sichuan, Zhejiang, more than dozens of convenient locations, nearly a thousand employees specializing in small loans . Zhong'an Credit to provide customers with quick and easy, friendly, efficient and affordable small loans. Specialized services not available from traditional bank customers access to microfinance. Zhong'an Credit - Personal Loans, fast and easy, free mortgage, free guarantee. Loans no win, no charge. Small Business Loans: The Shun industry for small business owners to provide fast and convenient mortgage-free, non-guaranteed loans. Whether operating a small company or stalls, as long as business for more than six months can apply for loans up to 30 million yuan. Usually within two to three days in loans. Personal Loans: The Shun industry to provide quick and easy for the working-class personal loans. Has a large number of locations, with friendly and courteous staff to help the whole loan process. Can easily apply for loans online! Up to 150,000 yuan or more loans, loan term by 12 months or 18 months. Usually the same day in loan applications. Revolving credit loans: China and Angola "cash card" loans. Customers can pre-limits, easy repayment or re-credit, without having to pay liquidated damages! This often requires additional cash payments to customers and the need for flexible, readily available for customers now is the best choice.