The mortgage loan processing flow of Ping An Bank: the borrower submits the application-provides the required materials (ID card, household registration book, marriage certificate and real estate license)-the bank account manager understands the borrower's situation and evaluates the property value-the bank contacts the borrower and signs a loan contract-the borrower mortgages the property to the bank-and the bank loan is issued to the borrower. Mo Long was recommended as the place for loan. The platform can lend money as quickly as 1 day, and apartment stores can apply without mortgage. It can lend money in as little as 2 hours without mortgage. There are corporate tax stamp loans, mortgage loans, mortgage loans and other projects, which have a good reputation and are worth choosing.

Lenders applying for real estate mortgage loan of 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.

For more information about real estate mortgage, please consult Mo Long. 20 15 Up to now, Molong has paid 206 million yuan in taxes and served 2 million customers according to law, cooperated with 1000 licensed financial institutions and banks, pioneered 0 sets of standardized fees in the industry, and provided 200 differentiated loan products to meet all kinds of qualified customers, covering 37 1 city, with a loan success rate of 90%.

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.

Real estate mortgage loan process of Ping An Bank

Ping An Bank can directly handle real estate mortgage loans at Ping An Bank outlets. The staff will get a preliminary understanding of the applicant, inform the applicant of the bank's regulations and requirements in this regard, and see if the applicant meets the loan conditions.

Meet the conditions of Ping An Bank's real estate mortgage loan, sign a loan contract with the applicant, which will stipulate the loan amount, repayment time, interest and other aspects.

Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity. Collateral is generally easy to preserve, wear and tear and sell, such as securities, bills, stocks, real estate and so on. After the loan expires, if the borrower fails to repay the loan on time, the bank has the right to auction the collateral and repay the loan with the proceeds from the auction. The balance of the auction money after paying off the loan shall be returned to the borrower. If the auction money is not enough to pay off the loan, the borrower will continue to pay off.

Bank mortgage loan

I. Personal housing loans

1. Personal housing commercial loan

Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.

2. Personal housing provident fund loans

Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.

3. Individual housing portfolio loans

Borrowers who meet the requirements of personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied housing purchased in this city as collateral.

Second, the enterprise mortgage loan

Corporate loan target: all kinds of small and medium-sized enterprise customers in industrial and commercial registration, operating in good condition.

Term of enterprise loan: generally 1-5 years.

Enterprise loan amount: generally 500,000 ~ 65.438+0 billion yuan.

Pawnshop mortgage

Mortgaged pawn refers to the act that a pawnshop mortgages its real estate to a pawnshop, pays a certain percentage of fees and interests to obtain a pawnshop, and pays the interest and expenses of the pawnshop within the agreed time limit, repays the pawnshop and redeems the pawnshop. The interest and expenses add up to about 3% per month.

house property mortgage

Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration.

How to handle Ping An car mortgage?

1, owner loan of Ping An Bank. That is, customers mortgage the property rights of their vehicles to banks and get loans directly. The loan funds can be used for decoration, education and other legitimate consumption and business purposes. A loan product in which the vehicle remains owned by the customer after mortgage.

2, the use of loan funds

It can be used for business purposes such as purchasing raw materials, purchasing goods, paying pavement rent, etc. Or buy a car, decorate, travel, wedding, medical care, parking, golf membership and other legitimate personal consumption purposes. Can not be used for buying a house, studying abroad, entering the securities market or other situations that do not meet the regulatory requirements.

3. Conditions to be met when applying for a car owner loan

The applicant is 22-60 years old and applies for an unsecured vehicle in my own name. The vehicle has not been purchased for more than 65,438+00 years, and the mileage is less than 654,38+05,000 kilometers. At present, the vehicle is valued at more than 50,000 yuan and has been licensed. See the list of cities that can be handled on the application page.

Extended data

Provisions on the use of Ping An automobile mortgage:

1. Loan funds cannot be used for house purchase and investment;

2. The loan amount and lending time shall be subject to the examination and approval results;

3. When providing the follow-up loan service, your name information will be transmitted to the necessary interested parties through encryption, so you don't have to worry about your privacy disclosure.