Product definition:
Straight off type mortgage guarantee business refers to the purchase of a property, in order to obtain a discount or other reasons for the purchase of mortgage loans for customers to apply for mortgage loans provided by the mortgage business.
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Product type:
According to the conditions of the lifting of the security responsibility, the product can be divided into:
1) pre-sale contracts secured: unison general guarantee liability customers in the purchase of real estate pre-sale contract for the sale of completed mortgage registration notice after release.
2) real estate collateral certificate class: unison general guarantee liability in the customer purchase production completed real estate certificates and bank mortgagee's mortgage termination.
Guarantee amount:
The amount of mortgage loans to the bank for the amount of the guarantee amount, the maximum number of loans into the number according to the bank's loan policy and the real estate price is reasonable and set.
Acceptance conditions:
The customer must meet all the following conditions:
1, the applicant in the age of 18 years of age (including), 65 years of age.
2, the applicant is a full civil capacity of the people's Republic of China and Hong Kong, Macao and Taiwan residents.
3, has the legal and valid identification documents.
4, with a stable, legitimate work units and revenue sources, there is a regular debt service capacity.
5, no bad credit and behavior record, no legal disputes; in the bank issued a personal credit report records of no bad record, or not included in a variety of credit blacklist.
6, the applicant is willing to provide real information, with the relevant procedures for the handling of the relevant procedures and pay the guarantee fee.
7, the applicant purchase transactions real and reasonable.
8, the other requirements of financial.