Bank of Communications online mortgage loan process

The application process for Bank of Communications’ online mortgage loan: Applicant applies, lending bank reviews, lender signs housing purchase contract with development company, borrower signs housing purchase contract with development company, borrower signs personal purchase contract with lending bank Housing mortgage loan contract, loan bank transfer.

Online mortgage loans are completed online by scanning QR codes on WeChat to complete the property evaluation, credit application, and credit limit approval processes, while other processes such as collateral verification, pre-loan investigation, contract signing, and mortgage processing are Put it offline and Bank of Communications staff will assist you. Fill in the mortgage property and other information on the mobile phone. There is no need to find a real estate appraisal company. The system will provide real-time feedback on the appraisal price and loan amount, and the loan can be credited in up to 3 days. And charges such as guarantee fees and mortgage fees are waived to minimize financing costs. "Online mortgage loans" start from the customer's perspective, allowing data to travel more, allowing customers to do less errands, allowing banks to worry more, and allowing customers to save costs.

Currently, Bank of Communications' online mortgage loan adopts the method of "online assessment and credit approval + offline standardized verification and investigation". It mainly involves applying online first, and then handling mortgage and other procedures offline.

Online mortgage loan application process: First log in to the Bank of Communications' online banking, and after logging in to your account, submit relevant information as required; after waiting for preliminary approval, go to the bank to sign a loan contract in accordance with the requirements of the Bank of Communications. And cooperate with the bank staff to handle the mortgage loan procedures; after completing the relevant procedures, you can obtain the loan credit; after obtaining the credit, you can access the loan at any time through online banking, mobile banking, etc.

The application conditions for online mortgage loans are as follows: the borrower must be over 20 years old and not over 65 years old; currently working in an operating entity, being the legal representative of the entity or a shareholder holding more than 20% of the shares; personal tax Good credit, no bad loan history in the past.