Changshu Rural Commercial Bank's Family Loan Process

1. Apply for a loan from the bank. 2. After the acceptance of the bank, evaluate the value of the mortgaged property and verify the loan amount according to the evaluation value; 3. Open a personal current deposit account and sign a loan contract. 4. Apply for real estate mortgage registration; 5. Bank loans.

Extended data:

Information required for loan:

1. The borrower's valid ID card and household registration book;

2. Proof of marital status, unmarried persons need to provide proof of unmarried, and divorced persons need to issue a court civil mediation or divorce certificate (indicating that they have not remarried after divorce);

3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate;

4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year);

5. Real estate title certificate;

6. Guarantor (ID card, household registration book, marriage certificate, etc. ) The following points should be noted: ① Only collateral can be used for loans, and the sum of loan amount and interest during the loan period cannot exceed1/2 of the assessed value of collateral; (2) Having a long-term and stable income source, which is sufficient to pay the monthly loan principal and interest; 3 guarantor; (4) Age limit of the borrower: male+loan years should not exceed 60 years old, and female+loan years should not exceed 55 years old; ⑤ Customers blacklisted in the credit information system cannot apply for loans; The loan needs to pay lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property appraisal fee, etc. It usually takes about 1 month to get a loan.