The mortgage borrower must meet the following conditions:

1. Legal identity

2 stable economic income, good personal credit (in the bank credit information system), and the ability to repay the loan principal and interest.

3. Legal real estate sales

4. A certain percentage of the total price of the purchased house is used to pay the down payment of the purchased house.

Guarantors or economic organizations are generally real estate developers.

6. Other conditions stipulated by the lending bank or local laws and regulations.

Some places or banks stipulate that there are two types of people who buy houses in this city, either local residents, foreign citizens or foreigners who have worked locally for more than a certain number of years.

2. What are the application conditions for Erle Loan of Changsha Bank?

1, aged between 18 and 60 years old.

2. Have a stable income and job.

3. No worker needs to provide proof of economic source.

4. Personal credit is good.

5. Personal debt ratio should not be too high.

6. There is no bad habit in obeying the law.

It can be seen that Changsha Bank has very strict qualification requirements for happy second loan customers. It is not a simple matter for customers to successfully apply for loans, and all conditions need to meet the requirements of Changsha Bank.

In order to make Happy Seconds Loan go smoothly, the loan materials submitted by customers when applying for loans must be detailed, and there can be no mistakes and omissions, which can speed up the audit efficiency of Changsha Bank and facilitate the smooth issuance of loans.

Of course, if the customer successfully obtains the loan, then the customer should keep a good repayment record and cannot be overdue. Once overdue, it will first leave a stain on the credit report, which will be collected by Changsha Bank and the penalty interest will be calculated.

3. What are the application conditions of Changsha Bank's online merchant running water loan?

1, registered in the first-line e-commerce shopping platform or the e-commerce platform recognized by Changsha Bank 1.5 years;

2. The main management personnel have more than 3 years of online business operation experience;

3. The business grew steadily, and the business on the e-commerce platform accounted for more than 80% of its total sales;

4. Agree to use its settlement account opened in Changsha Bank as the payment account for its platform transaction;

5. During the financing credit period of Changsha Bank, it is agreed to authorize the port of its mainstream platform business to Changsha Bank or a third party (such as a data company) entrusted by Changsha Bank for monitoring.

4. What are the conditions for Changsha Bank's Happy Second Loan?

What conditions does Changsha Bank need for a happy second loan?

The age is between 18-60 years old; Have a certain repayment ability, preferably a stable income and work, and no laborer needs to submit economic proof materials; Personal credit information is good, and there can be no overdue or illegal records in the credit information; Personal debt ratio should not be too high, and the debt ratio should not exceed 50%. However, meeting the loan conditions does not necessarily mean that the loan will pass, and ultimately it will be subject to the bank's audit results.

If there is demand, I recommend that you spend money. Qianhua is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Qianhua, renamed as "Qianhua" on June 20 18). The brand is trustworthy and the interest rate is low. 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%

1. First, you must have a provident fund social security customer to apply, or you can apply for punching in. Customers who have paid for more than two years had better apply for the next payment.

2. Secondly, Happy Second Loan has whitelisted customers' medical insurance cards, salary cards and social security, and it must be a whitelisted customer of Changsha Bank to apply. It is a product open to "whitelisted" customers who meet the access conditions. If local customers in Changsha can directly bring information to local outlets to apply.

Finally, there is the issue of credit report. The requirements of bank loans for credit reporting are still relatively high, especially the recent inquiry records should not be too many and the debt ratio of credit reporting should not be too high. If you apply for more online loans, it is difficult to make the next payment even if your qualifications are good.

"Happy Second Loan of Changsha Bank" is a pure online and pure credit consumer loan product launched by Changsha Bank, which can be recycled.

1. Use the Happy Second Loan of Changsha Bank.

Car purchase, decoration, medical care, tourism, education, wedding, daily consumption, etc.

2. Changsha Bank Happy Second Loan Application Conditions:

/kloc-natural person aged 0/8 to 65;

The actual age of the borrower and the loan application period shall not exceed 70 years;

Have a stable job, a stable income, and the ability to repay the loan principal and interest on time;

Good credit, no bad record, and legal use of the loan;

Other conditions stipulated by the bank.

Third, Changsha Bank Happy Phase II Loan Application Steps

1. Open the online banking app of Changsha Bank (7.8.6) and click "Happy Second Loan" to activate the bank (fill in personal information);

Apply for a loan.

4. Changsha Bank Happy Second Loan Repayment Method

1. Automatic repayment: Ensure that the repayment bank card (the collection bank card selected when borrowing) has enough funds to repay the current principal and interest before the agreed repayment date (2 1) 18:00 every month, and Changsha Bank will automatically deduct the money;

2. You can deposit enough funds into the repayment account at any time, and then click "Happy Second Loan" through online banking to make early repayment (there is no handling fee for early repayment).

5. What is the amount of Happy Seconds Loan?

The limit of a single user does not exceed 300,000 yuan, and the limit is between10-300,000 yuan according to the user's credit, deposit, wealth management and debt.

5. Characteristics of Happy Second Loan of Changsha Bank

1. Jane: pure credit, 0 guarantee, online application;

2. Fast: real-time approval and real-time payment;

3. High: credit line, the maximum loan line can reach 300,000;

4. Province: minimum daily interest rate 1.5 yuan/ten thousand (loan 65438+ ten thousand, interest rate 1.5 yuan/day);

5. Length: one-time credit, valid for three years (a single loan can last up to three years);

6. Convenience: use it and borrow it, pay interest monthly, repay the principal when it is due, and support early repayment.