Ping An Bank mortgage loan process Ping An Bank mortgage loan

What are the process steps of Ping An Bank's real estate mortgage loan?

To apply for the real estate mortgage loan of Ping An Bank, you must first prepare the required information:

1. Copy of my and my spouse's ID card (original inspection);

2. Marriage certificate (if married);

3. account;

4. Proof of occupation and income (proof of official seal of the unit or copy of salary income account and check the original);

5. Proof of the ownership of the mortgaged property;

6. Collateral appraisal report issued by the appraisal institution established by Ping An Bank;

7. Proof of the purpose of the loan (the loan can only be used for the borrower and his family to buy houses, cars, house repairs, durable consumer goods and other purposes. It shall not be used for the following purposes and purposes: loan funds shall not enter the securities market or be used for equity investment in any form; Loan funds shall not be used for business activities prohibited or restricted by the state; Loan funds shall not be used for real estate project development. Foreigners' loans shall not be used to purchase non-self-occupied or non-self-occupied commercial houses).

II. Real Estate Mortgage Loan Process of Ping An Bank:

1. Customers apply for loans and submit materials;

2. The bank conducts due diligence and approval;

3. Sign a contract to complete the mortgage registration of operating property and pledge registration of accounts receivable;

4. Banks issue loans and conduct closed supervision over the income and expenditure of property management;

5. The customer repays the loan as agreed.

How does Ping An Bank apply for mortgage loan? What is the application process?

How does Ping An Bank apply for mortgage loan? What is the application process? When it comes to peace, the first thing we think of is mostly peace insurance. In fact, as early as 20 12, SDB acquired Shenzhen Ping An Bank, a subsidiary of Ping An Insurance Group, and established today's Ping An Bank. Ping An has insurance, credit cards and loans, among which loans include credit loans, car loans, mortgage loans and mortgage loans. Housing mortgage loan is also one of the businesses accepted by Ping An Bank. Housing mortgage loan means that there is a house under the name of the property owner, and the house has a title certificate. If there is no loan, he can apply for a mortgage loan from the bank, and the owner and his family can apply for a mortgage loan from the bank with ID card, household registration book, marriage certificate, income certificate, bank running water, property right certificate and land certificate.

How does Ping An Bank apply for mortgage loan? What is the application process?

Lenders applying for real estate mortgage loan from Ping An Bank need to meet the following conditions.

1. First, the borrower has legal status and good credit record;

2. The borrower applying for real estate mortgage loan requires a stable economic income and the ability to repay the principal and interest of the loan. Even if there is collateral, the bank also depends on the borrower's repayment ability;

3. The applicant can provide valid proof of property rights and other relevant documents.

4. Self-raised funds not less than 50% of the total price or evaluation value of the purchased commercial house (whichever is lower), and guaranteed to be used to pay the down payment of the purchased commercial house;

5. Mortgaging or pledging the assets recognized by the loan bank, or (and) using legal persons, other economic organizations or natural persons with sufficient compensatory capacity as guarantors.

First, the borrower should prepare these materials:

1. Copy of ID cards of myself and my spouse;

2. Marriage certificate;

3. Household registration certificate;

4. Proof of occupation and income;

5. Proof of the ownership of the mortgaged property;

6. Collateral appraisal report issued by the appraisal institution established by Ping An Bank;

7. Proof of loan use

After preparing these materials, apply to the bank for a loan and submit the materials;

Ping An Bank conducts investigation and approval;

Sign a contract to complete the mortgage registration of operating property and pledge registration of accounts receivable;

Our bank issues loans and conducts closed supervision over the income and expenditure of property management;

The customer repays the loan as agreed.

The above is "How does Ping An Bank apply for a mortgage loan? What is the application process? Generally, the mortgage loan can reach 70% of the appraised price, and the interest rate generally rises by 20%-60%. The specific floating interest rate is subject to the bank. Generally, it takes about 1 month to apply for a mortgage loan from a bank. The interest rate of Ping An Bank's real estate mortgage consumer loan is generally calculated according to the monthly interest rate, which is about 1%, depending on the qualifications of the applicant.

What are the mortgage loan conditions of Ping An Bank?

First of all, answer directly.

The following are the main requirements for applying for a safe house loan.

Second, the specific analysis

1, the age is between 18 and 65, and the borrower's age plus the loan period does not exceed 70 (if it is a business person, the age must be between 25 and 65).

2. Having a fixed residence at the place where the handling bank is located.

3. The mortgaged property must be a house (including a single-family villa), and the location of the property is consistent with the permanent residence.

4. If the age of the house is less than 25 years, you can accept the property in your own name or in the name of others (the property held by minors or jointly held by * * * is not supported).

5, a stable source of work and income, with the ability to repay the loan principal and interest on schedule.

6. Personal credit is good, and there is no bad credit record in the credit report.

Remember to bring personal ID card, proof of marital status (such as marriage certificate), real estate license, proof of economic income (such as payroll, bank running water, etc.). ) when applying.

If you are a business person, you also need to provide a business license. In the past three months, any bank flow of 1 month requires the company's articles of association.

In Winnie Hsin, get a big data report, find out your overdue records, and classify your online loans into formal and informal, credit-seeking and non-credit-seeking. If you want to pay back the money but don't have enough funds, then negotiate with the online lending platform, give priority to formal credit reporting, and minimize the impact on yourself.

3. Is the mortgage credit card approved together with the mortgage?

The approval of mortgage is carried out by the bank, and the approval of credit card is completed by the credit card center. The two cannot be approved together.

However, the user is a bank mortgage. As long as the mortgage is approved, the probability that the credit card is approved is also high.

Of course, it is not excluded that the mortgage has passed and the credit card has failed.

For credit cards that fail to pass the examination and approval, users can try to apply again at regular intervals, or apply for a low-grade credit card to improve the chances of passing the examination and approval.

Conditions of Housing Mortgage Loan of Ping An Bank

Hello, housing mortgage loan application conditions: 1, age 18-65 (inclusive), borrower's age and loan period ≤70 years; 2. The borrower is a resident of China, Hong Kong, Macao and Taiwan and a foreigner, who must have lived in China for one year and have a fixed residence and occupation; 3. The mortgaged property needs clear property rights, and can be listed and circulated and registered as collateral. You can go to any outlet and click the link below to inquire about nearby outlets. You can also click the link below to try to apply for an unsecured and unsecured credit loan from Ping An Bank:

Can Ping An Bank use real estate as mortgage loan?

Of course. Ping An Bank's easy-to-borrow house products apply for credit from the bank with the property mortgage recognized by Ping An Bank as the guarantee, and the bank will give a certain amount of credit products to small and micro enterprises within the specified mortgage rate. The mortgage rate is as high as 80%.

Applicable to all small and micro enterprises, small and micro business owners and individual industrial and commercial households with valid real estate collateral.

The maximum credit line for a single household can reach 20 million yuan.

The longest credit period is 10 year.

Product features high mortgage rate: the highest mortgage rate of houses (including villas) reaches 80%; The highest mortgage rate of commercial housing and commercial housing is 60%; The maximum mortgage rate of standard factory buildings is 50%.

Flexible repayment: Average capital, matching principal and interest, and net interest repayment can be selected and matched at will.

Simple procedures, quick approval and simplified process.

Extended data:

Ping An Bank

On the other hand, Ping An Bank launched the "New One Loan" unsecured personal loan business, which can be used for business or personal consumption (including car purchase, decoration, large consumption, etc.). ), the maximum loan is 500,000.

Ping An Bank highlights its business.

Since July 1 2009, Ping An Bank has launched three e-banking service promises for individual customers, namely, debit card global ATM withdrawal is free, personal online banking remittance is free, and personal banking losses caused by no fault of customers are compensated by Ping An Bank. Service standards have reached a new high in the industry.

The "three promises" not only enabled the bank to break through the restrictions of outlets, but also solved the security concerns that have long plagued customers in using online banking, which is a major breakthrough in China. Within a week, the number of visitors to Ping An Bank's "free" information webpage has reached 654.38+0.5 billion, and more than 2 million people have visited the promised area of the bank.