Hengfeng bank loan inquiry?

Hengfeng bank residential mortgage is a kind of RMB loan issued by banks to borrowers for purchasing all kinds of ordinary commodity houses.

First, the loan object

A natural person with full capacity for civil conduct, legal and valid identity documents, a fixed residence in the local area, good credit standing, a stable source of income and the ability to repay the principal and interest on schedule.

Second, the loan amount

Up to 70% of the value of the property.

Third, the loan term.

The loan period can be up to 30 years.

Four. Application material

1, individual housing loan application;

2. Identification certificates of the borrower and spouse (resident ID card, passport, household registration book, etc.). ) and marriage certificate;

3. Contracts related to the sale of houses (pre-sale contracts, sales contracts or commercial housing sales contracts);

4. Proof of payment for the down payment of the house;

5 proof of the borrower's repayment ability (such as income certificate, payroll, personal tax bill and other assets, etc.). );

6 proof of the ownership of the loan mortgage guarantee, and proof that the person with the right to dispose of it agrees to mortgage;

7. Other supporting documents or materials required by the lender.

A guide to the treatment of verbs (short for verb)

1. Application: The borrower submits a loan application to the loan handling outlet with the above application materials;

2. Loan approval: the bank investigates the borrower's guarantee, credit and other conditions, approves according to the procedures, and informs the borrower of the approval results;

3. Loan signing: After the borrower's application is approved, the bank signs a personal mortgage loan contract with the borrower and goes through notarization, insurance, mortgage registration and other related procedures;

4. Loan issuance: After the borrower completes the relevant procedures, the bank will issue the loan after examination and confirmation.

If there is a demand for capital turnover, we recommend you to use Qianhua, a credit service brand under Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" in June 2065438+08). Big brands are reliable, with low interest rates and trustworthy. The money is spent-full of easy loans, the maximum loan amount is 200 thousand, and the daily interest rate is as low as 0.02%

I know many small loan companies. Generally speaking, Baidu has the highest pass rate. The credit line is the highest. Nothing gave me a credit line of 9.5W My colleague directly approved a credit line of 18W.

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Special attention: withdraw cash in full as soon as possible after the quota is issued, because risk control is dynamic.

It's best to put forward all the suggestions on demand. The risk control system will mistakenly think that you don't need this fund, which will lead to the failure of withdrawal. At least 60% is safer. Support early settlement of repayment after the first installment.

If the money spent is not enough or there is no limit, it is recommended to try the following two platforms, which are also relatively formal licensed financial institutions! The audit is relatively less strict!

360 IOUs, with a maximum loan of 200,000!

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Staging music can be borrowed up to 50 thousand!

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