What proof do I need to apply for loan extension?

How to apply for deferred repayment of loans

The ways to apply for extension after the loan expires are as follows:

1. Counter application:

The borrower can bring his/her ID card and loan contract to the business hall of the lending institution, submit an application for deferred repayment to the staff, and present relevant information as required, so that it can be handled with their help.

2. Customer service telephone application:

The borrower can call the customer service phone number of the lending institution, and then connect the manual service according to the prompt, and then apply to the staff for deferred repayment, and then provide the ID number and loan contract number.

To apply for a personal bank loan, you must meet the following conditions:

First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Information that an individual needs to provide when applying for a bank loan:

Loan application; Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife * * * Letter of opinion from someone agreeing to the loan; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Loan contract.

For personal guarantee, the following information shall be provided:

Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife; Occupation, income certificate and family property status information of husband and wife (work certificate, bank account, property right certificate, vehicle driving license, etc.). ); Proof of fixed place (real estate license and water, electricity, gas and other documents in the last three months); Personal bank credit information inquiry system; Notarization.

For enterprise guarantee, the following information shall be provided:

Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of the enterprise, loan card (annual inspection) and credit certificate; Shareholders' consent; Financial statements: financial statements at the end of last year and the last three months (with audit reports). Including balance sheet, income statement, cash flow statement and bank statement (with bank seal); Special industries need to provide EIA data (EIA report, pollutant discharge permit).

Property mortgage should be issued:

Identity cards, household registration books and marriage certificates of both husband and wife; The property owner agrees to mortgage; Real estate needs to be registered.

Application materials for loan extension of rural credit cooperatives

You asked about the loan extension application materials of rural credit cooperatives, including loan extension application, repayment plan and basic information statement.

Application materials for loan extension of rural credit cooperatives: loan extension application, repayment plan, basic information statement, personal ID card, original loan contract and other materials required by the bank.

Rural credit cooperatives refer to rural cooperative financial institutions established with the approval of the People's Bank of China, which are composed of members' shares, implement democratic management and mainly provide financial services for members.

What information does Hebei Bank need to apply for loan extension?

1. Original and photocopy of valid ID card.

2. Local permanent residence or valid residence identity certificate.

3. Proof of marital status and proof of fixed income.

4 loan use plan or statement.

5. Proof of loan repayment ability.

What information do I need to apply for deferred mortgage repayment?

What information do you need to apply for extending mortgage loan during the epidemic? For customers who are required to postpone repayment time, reduce penalty interest and eliminate overdue credit records due to the epidemic, they can enjoy the personal housing loan customer care policy if they meet the relevant conditions. What information do you need to apply for mortgage extension during the epidemic?

What information do you need to apply for mortgage extension during the epidemic? 1

What information do I need to prepare to apply for mortgage extension?

During the epidemic period, the following information is mainly needed for mortgage extension:

1 Lender ID card.

2 mortgage purchase contract.

Application for deferred repayment.

4 proof of unemployment or no income is enough.

Five personal credit reports.

Six bank deposit certificates.

There are mainly the above materials for applying for bank loan extension, and the materials may be different between different banks. You can call the customer service hotline of the loan bank to find out first, and then go to the bank to apply for loan extension. After the user submits the mortgage extension application, the bank will inspect the user according to the materials provided, and the mortgage can be extended after approval.

Although the mortgage can be extended, there is generally a maximum extension grace period, so users still need to repay on time, and different banks can apply for different extension repayment periods. In addition, when applying for deferred repayment, users are advised to apply a few days before the mortgage repayment date to avoid overdue repayment in the current month.

What information is needed to apply for mortgage extension during the epidemic period II.

The mortgage during the epidemic cannot be reduced or exempted. Only medical personnel and government workers involved in epidemic prevention and control, as well as confirmed patients, suspected persons and their spouses. Then only overdue is not a breach of contract, and the repayment period is extended, but there is no relief.

You can't exempt the mortgage debt obligation because of the epidemic, but it is clear in the relevant policies that those who are involved in infected people, suspected cases, or engaged in epidemic prevention and control work can legally apply for deferred payment.

At the beginning of the outbreak of the COVID-19 epidemic, the central bank and other five departments jointly issued a document, requiring financial institutions to reasonably postpone the repayment arrangements of personal credit such as housing mortgage. The whole application only needs to be operated on the mobile phone, and the process can be completed in ten minutes. At present, the six major state-owned banks and large joint-stock banks can provide mortgage extension services to eligible customers.

There are four main types of people who can apply: ① those who are hospitalized or isolated due to infection in COVID-19; ② The prevention and control of epidemic situation needs to isolate observers; ③ personnel involved in epidemic prevention and control; (4) people who temporarily lost their income sources due to the epidemic.

For personal loan customers affected by the epidemic, we will provide personal loan deferred repayment service support. During the deferred repayment period, customers will not be included in the list of defaulting customers, and at the same time, the credit information of customers will be protected and customer service will be continuously strengthened. If necessary, mortgage customers can apply directly to the handling bank.

For customers who put forward demands such as delaying repayment time, reducing penalty interest and eliminating overdue credit records due to the epidemic, they can enjoy the personal housing loan customer care policy if they meet the relevant conditions. Customers can directly contact the loan handling bank or account manager to consult the relevant handling conditions and procedures. You can also call the customer service center of ABC, and the customer service staff will collect information and send it to the customer loan handling bank.

Banks will strictly implement the policies of the head office. First, for medical staff, government workers and those who have been isolated due to the epidemic, personal loans overdue during the epidemic period is not regarded as a breach of contract and is not included in the list of defaulting customers. After verification and confirmation by the branch, the credit information can be repaired according to the existing objection handling process;

Second, for those who are hospitalized or isolated due to the epidemic, those who need isolated observation due to epidemic prevention and control, those who participate in epidemic prevention and control, and those who temporarily lose their source of livelihood due to the epidemic, the repayment arrangement of personal loans can be adjusted and the repayment period can be postponed; The third is to provide personal housing loan prepayment function for mobile banking and online banking.

What information do you need to apply for mortgage extension during the epidemic 3

During the epidemic, major banks have different regulations on deferred repayment applications, which can be handled according to the following instructions:

ICBC:

Because of the special circumstances of the epidemic, you can apply for an extension without affecting your credit record.

However, the customer service of extended time and other related businesses cannot be handled, and customers need to apply, review and verify at the mortgage misappropriation branch. Because they haven't officially gone to work, the customer service can register and report to the branch first, and then verify it after the loan business personnel officially go to work.

Agricultural Bank:

The customer service of ABC replied that there is no need to apply, and related behaviors such as overdue epidemic will not be recorded as breach of contract, and there will be no penalty interest.

China Construction Bank:

As long as the deduction is made on the last day of the month, it will not affect the credit history.

As for the mortgage extension application and other businesses, because the loan business has been handed over to the local loan department, the specific situation needs to consult the local credit department.

After consulting the local credit account manager, they said: the medical staff in the anti-epidemic front line can postpone the repayment and will confirm their identity with the customer system afterwards. As for those whose income is affected by the epidemic, they can also postpone repayment after providing relevant certificates for approval.

Bank of China:

I know there are special information about the epidemic, but at present, the corresponding departments have not reported the corresponding policies to the customer service center, so they have not been implemented.

Postal savings:

Credit protection will be provided for medical personnel, government workers, isolated people infected with novel coronavirus and those who have temporarily lost their sources of income due to the epidemic.

The customer service specifically explained that losing the source of income may refer to zero income, so it may not work if you have a basic salary.

Huaxia Bank:

At present, the notice received is aimed at individual loan customers of Wuhan Branch. If it is staff, army officers and soldiers, government workers, patients and families affected by epidemic isolation, it can provide services such as extension, credit guarantee, interest rate concessions, and green channels.

The remaining cities have not received any notice about extending business hours.

China CITIC Bank:

The customer service said that if the income is really affected by the epidemic, you can call 400 first and the bank will register first. After going to work, the branch can postpone repayment for one month. If the epidemic is still not over after one month, the lender may apply to the loan outlets for further deferred repayment.

How to apply for deferred repayment of bank loans

Bank loans can be applied for deferred repayment. The explanation is as follows:

If the bank determines that the lender has temporary difficulties during the loan period, which leads to the inability to repay the loan principal on schedule and meets the conditions stipulated in the extension period, the extension period may be extended.

The loan extension shall meet the following conditions:

Whether the extension is decided by the lender, but the guarantor, mortgagor and pledger need to issue a written consent certificate. If there is an agreement, it shall be implemented in accordance with the agreement;

The loan extension period shall not be lower than the original loan conditions. The extension of short-term loans shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years;

The lender's application for extension needs to be true, and there can be no malicious non-repayment.

Extended content:

Overdue repayment:

Generally speaking, every bank will charge a certain interest for overdue repayment, which is different from each bank, and is generally five ten thousandths of the interest.

However, the value date should be calculated from the date of consumption, not from the day after the last repayment date.

It is suggested that if the credit limit is not reached, the minimum repayment amount can be paid first without affecting the credit limit.

At the same time, there will be a buffer period, so that the bank can know the flow of funds in your account in time and will not freeze the account.

When the credit card (debit card) holder chooses the minimum repayment method or uses the card to exceed the credit limit approved by the issuing bank.

If you no longer enjoy the interest-free repayment period, you should pay the overdraft interest calculated at the prescribed interest rate from the bank bookkeeping date.