Let the bank mortgage the house in the administrative center
2. Karma refers to the karma that hinders the cultivation of the right fruit, such as human sin. Karma refers to the set of results caused by personal past, present or future actions, which will change your future. For example, if you have been doing bad things, then your future may go to prison. This is the change of karma to you,.
Hello, there are many platforms that can provide online loan business. It is recommended that you choose a regular large platform, so that your personal information and property security can be guaranteed
it is recommended to use Qianghua, formerly known as "network Qianghua", which is a credit brand of xiaoman finance. It provides users with safe, convenient, non secured and non secured credit services. You can borrow money on xiaoman finance app (click official measurement). With the daily interest rate as low as 0.02%, it has the characteristics of simple application, low interest rate, fast lending, flexible borrowing and repayment, transparent interest fee and strong security
to share with you the application conditions of Qianhua consumer procts: it is mainly divided into two parts: age requirements and information requirements
1. Age requirement: 18-55 years old. Special tips: if you have money, you are not allowed to provide installment loans to college students. If you are a college student, please give up your application
2. Information requirements: your second generation ID card and your own debit card are required in the application process
note: the application only supports debit card, and the application card is also your borrowing bank card. The personal identity information should be the information of the second generation ID card, and the temporary ID card, expired ID card and the first generation ID card cannot be used for application
this answer is provided by qianhuahua. Due to the timeliness of the content and other objective reasons, if the content of the answer is inconsistent with the actual interest calculation method of qianhuahua procts, it shall be subject to the display of xiaoman financial app - qianhuahua loan page. I hope this answer will help you
Mortgage housing loans need to be registered in the Housing Authority Trading Center and notarized at the notary office
in the process of housing mortgage registration, the borrower needs to take the loan contract, real estate certificate, personal identity certificate and other materials to the housing authority for housing mortgage registration. After the completion of the registration, the Housing Authority will issue the mortgage certificate. At this time, the real estate mortgage loan will be completed, and the property right of the house will also belong to the mortgage agency
as for the mortgage registration fee, different regions charge different fees, generally 80-100 yuan per set. If the mortgage registration is handled with the mortgage loan of the future house, it will involve different mortgage registration fees, which shall be subject to the local housing authority
in addition, after paying off the mortgage loan, don't forget to go to the housing authority for cancellation of mortgage registration. Only after cancellation of mortgage registration, the house belongs to the owner, and there is no charge for cancellation. Housing mortgage bank loan proceres:
1, need to open a current deposit account in the bank's business institutions
Please fill in the loan application form as required and submit the application form and the required materials according to the instructions of the bank3. Home visits by banking operators or designated lawyers to investigate the authenticity, legality and integrity of the information provided
4. After the approval, the bank will inform the approval result and sign the loan contract
Insurance, mortgage registration, notarization and other proceres should be handled according to the situation6. CITIC Instrial Bank transfers the loan directly to the account agreed in the contract
Please repay the principal and interest according to the loan contract The simple and popular understanding of loan is to borrow money with interestloan is a form of credit activity in which banks or other financial institutions lend money at a certain interest rate and must repay. In a broad sense, loans refer to loans, discount, overdraft and other lending funds
by lending money and monetary funds, banks can meet the needs of social reproction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation
extended information:
I. review risk:
the generation of loan risk often starts in the loan review stage. From the disputes in the comprehensive judicial practice, it can be seen that the risks in the loan review stage mainly come from the following links
(1) the contents of the review were omitted, and the loan reviewers of the bank were left behind, resulting in credit risk. Loan examination is a meticulous work, which requires investigators to systematically investigate and investigate the qualification, qualification, credit and property status of loan subjects
(2) in practice, some commercial banks do not have e diligence, and the relevant loan reviewers only pay attention to the identification of documents, but lack of e diligence. In this way, it is difficult to identify the fraud in loans, and it is easy to cause credit risk (3) many wrong judgments are caused by the bank's failure to listen to experts' opinions on the relevant contents or by professional judgment. In the process of loan review, we should not only find out the facts, but also make professional judgment on the relevant facts from the legal, financial and other aspects. In practice, most of the loan review process is not very rigorous and in placetwo and pre loan investigation are:
(1) the legitimate establishment of the borrower and the legal status of the borrower. If it is an enterprise, it shall examine whether the borrower is established in accordance with the law, whether it has the qualification and qualification to engage in relevant business, check the business license and qualification certificate, and pay attention to whether the relevant license has passed the annual inspection or relevant verification
(2) regarding the credit of the borrower, whether the registered capital of the borrower is suitable for the loan; Examine whether there is obvious withdrawal of registered capital; Past loans and repayments; As well as the borrower's proct quality, environmental protection, tax and other illegal circumstances that may affect repayment (3) regarding the borrowing conditions of the borrower, whether the borrower has opened a basic account and a general deposit account in accordance with relevant laws and regulations; Whether the external investment of the borrower (if it is a company) exceeds 50% of its net assets; Whether the debt ratio of the borrower meets the requirements of the lender (4) as for the guarantee, the qualification, reputation and the ability to perform the contract of the guarantor shall be investigated In order to rece the moral hazard of the lender, the borrower and the person in charge should also be subject to special examination. When granting loans, the financial institutions should not only examine the qualifications, conditions and operating conditions of the borrower, but also strengthen examination and control over the personal qualities of the investors, legal representatives and main managers of the enterprise, (1) if the chairman of the board, the general manager, the factory director, the manager and other key personnel gamble, take drugs, go whoring, keep mistresses, often go to song and dance halls and sauna places, excessively conct weddings and funerals, buy high-grade cars that are not commensurate with their economic strength, and often rent high-grade hotels, the enterprise loans must be strictly controlled (2) loans to family groups or companies must be strictly controlled. The so-called family group or company refers to the enterprise in which the main responsible persons of the group and its subsidiaries or branches, and the main leading positions within the enterprise are all or mainly held by the persons with blood relationship and their families and relatives (3) if the legal representative holds a foreign passport or has the right of permanent residence in a foreign country, if the enterprise or company has branches abroad, if the main family members of the enterprise or company have settled abroad or set up a company abroad, the loan of the enterprise shall be strictly controlled, and close attention shall be paid to the capital flow of the legal representative going abroad and the enterprise. In particular, the transfer of funds to foreign countries or for unknown purposes should be strictly examined, supervised and stopped in a timely manner (4) to investigate the part-time situation of the enterprise legal representative before the loan. Loans to related enterprises in which one person concurrently serves as the legal representative of multiple enterprises must be strictly controlled (5) when examining the loan, it must be based on the borrower's qualifications, conditions, operating conditions, repayment ability, and the quality of the main person in charge of the enterprise. It must not be based on the borrower's political status, such as "model worker", "advanced member", "overseas Chinese", "representative of the National People's Congress" and "member of the Chinese people's Political Consultative Conference", Recing loan conditions or issuing and managing loans not in accordance with rules and regulations (6) the loan relationship only occurs between the parties. The examination of loan conditions shall not be relaxed for those loans that have passed or made use of the relationship between leaders, relatives, friends, classmates and comrades in arms to greet and write notes to introce. Those who do not meet the loan conditions shall not be granted loans (7) the relationship between the borrower and the guarantor should be carefully investigated when issuing the guaranteed loan. If the borrower and the guarantor belong to the same group company, the loan shall be strictly examined. The guarantee provided by a branch of a non independent legal person is invalid Fourthly, the suggestion of loan review is to carefully review each loan, and the risk judgment of loan should not be based on the past review or credit. We should not relax the review or rece the investigation proceres just because the borrower has paid the principal and interest on time in the pastestablish a regular appointment system for the borrower's legal representative and its main management personnel. The appointment period can be determined according to the size of the loan amount and the borrower's proction and operation changes. If the loan amount is large, the appointment period should be shortened accordingly
credit officers (credit officers, members of credit review team, members of credit review committee) are not allowed to make improper private contact with borrowers in lending activities
the credit personnel and their immediate family members are not allowed to accept the borrower's cash, valuable gifts, shopping vouchers, etc; Not to participate in recreational activities paid by the borrower; No expenses shall be reimbursed to the borrower
for loans with large amount and long period, or for specific purposes, the borrower should employ lawyers, accountants and other professionals to make professional judgment and provide expert opinions on relevant matters
reference: Loan Network
be sure to stay away from chest X-ray and other examination items, because the radiation is very harmful to the fetus
in fact, the hospital will arrange regular physical examination for pregnant women, so it doesn't matter that the physical examination of the unit is not taken
when pregnant women take part in physical examination, they must pay attention to explain that they are pregnant in advance, and find out what tests they can't do, because the radiation test has certain radiation damage, so pregnant women must not do it. Pregnancy cycle should also be a reasonable arrangement of time, in the specified time to do the corresponding examination, in order to observe the health of the fetus.
convenient taking Heilongjiang Province as an example, according to Article 6 of the detailed rules for the implementation of the measures for the administration of urban real estate mortgage in Heilongjiang Province, real estate mortgage should follow the principles of voluntariness, mutual benefit, fairness and good faith. The legal protection of real estate mortgage established by law. The provincial construction administrative department is responsible for the management of urban real estate mortgage within the administrative region of the province If two or more real estate sets up the same mortgage, it is regarded as the same mortgage real estate, and its joint guarantee obligation is indivisible ring the ration of the mortgage relationship. Unless otherwise agreed by the parties to the mortgage. If several mortgage rights are set for the same real estate, it shall be regarded as divided mortgage, and the sum of the mortgage guarantee debts shall not exceed the assessed value of the real estate extended information: relevant requirements of urban real estate mortgage: 1. If the mortgagee requires mortgage real estate insurance, and if the mortgagor is required to restrict the lease, transfer or change of the purpose of the mortgage real estate after the mortgage, the mortgagor shall specify it in the mortgage contract
3. Both parties to the mortgage should register the mortgage with the real estate management department of the place where the real estate is located within 30 days from the date of signing the mortgage contract, and get the "other house ownership certificate". The real estate mortgage contract shall take effect from the date of registration