First of all, how do financial institutions borrow loans?
1. Bring a copy of the second generation ID card, a快速借錢 copy of the family register, and the original work certificate with the official seal of the unit provided by the current unit of the borrower.
2. If individual businesses and companies 借錢are responsible for providing copies of business licenses and stock certificates.
3. It is also necessary The original proof of salary 安聯收益及增長基金好唔好and income, the original personal credit report report, and the proof of marital status.
4. After preparing the above proceeding materials to the counter credit department of the bank applying for the housing consumer loan, there will be some professional ability to undertake this business management process of customer service department manager to entertain the lender.
5. In China and Japan, the approval period is generally 7 to 15 working days. Depending on the future, the branch will notify the lender to apply for the next payment and repayment.
II. What are the criteria of the lending bank?
Borrowers should be between 18 and 65 years old;
2. Have a good job and earnings and have some ability to repay the loan;
3. Borrowers for long-term residence need to have borrowing as well as the business network of financial service institutions;
4. provide certain loan materials, especially pledge loans, and give the right to use pledge certificates, such as title deeds, motor vehicle driving licenses, etc. ;
5. excellent personal credit report, no bad personal credit record, and obvious willingness to repay.
In general, from the above we can understand that the loan bank repayment must submit their basic information, such as copies of identity documents, proof of work, proof of income and these. Generally speaking, it is still easy to apply for a loan bank, must, the applicant has a stable income and the ability to repay, personal credit conditions should be good, no taint, but also need to have a long-term residence. If the mortgage loan, you also need to provide a reasonable pledge and legal proof, if you have other related questions, you can come to know you.
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