Why do banks need a business license to handle real estate mortgage loans?

Why do banks need business licenses for real estate mortgage loans? You need a business license to prove that you have the ability to repay the loan. Of course, you need a business license to apply for a loan in the name of business. For individuals, there are consumer loan projects. In addition, different banks will have different loan difficulties and projects in different periods, but banks do not have to lend money to someone. The bank is not a housing agency, and I don't want you to go up yet. The industrial and commercial business license is not mortgaged in the bank, but it will be returned to you after copying, indicating that you have the ability to repay the loan and there is no mortgage.

ICBC mortgage loan must have a real estate license, and the name on the real estate license is yours.

Can I cancel my business license by giving a friend a mortgage guarantee? First of all, I don't know how your relationship with your friends is. If you really don't want him to use your loan, you can ask him to come back. Besides, the legal person is not your name.

Secondly, with a business license, do you use your company as a guarantee or borrow money in your company's name? Anyway, friends belong to friends, so it's best not to involve others.

Finally, if it is cancelled, it will be fine. Once again, you may not be able to use the name of the current company, which is equivalent to a newly established company. I wonder if this will affect you.

Since you reported the loss, it means that your business license has been lost. As long as there is nothing else, there is no risk.

Hello, I am a senior mortgage consultant of Beijing Tenghui Xinde Investment Company. In this case, you can pay off the mortgage balance before lending. Check the evaluation value of the house, and the maximum loan can be 70%. Of course, banks usually lend for five years. As long as the capital turnover is smooth, the specific loan process can be paid off at any time. After all, you have to consult the local financial institutions.

I hope I can help you.

Do I need a real estate license to run a business license? What should I do if the real estate license is mortgaged with a bank loan? This is the rule. The Company Law stipulates that the establishment of a limited liability company shall meet the following conditions:

(1) Shareholders meet the quorum;

(2) The capital contribution of shareholders reaches the minimum statutory capital;

(3) Shareholders * * * agree to formulate the Articles of Association;

(4) Having a company name and establishing an organization meeting the requirements of a limited liability company;

(5) Having a company domicile.

Article 20 The establishment of a company must have (10) proof of the company's domicile;

How to prove it?

The Administration for Industry and Commerce stipulates in detail that it is necessary to provide the rental agreement and property right certificate (commercial housing sales contract and pre-sale permit without property right certificate), and provide a copy of the hotel business license.

Can I get a loan for my business license? I don't think so. I applied for a car loan with my business license. People say that the business license can't be mortgaged, because the registered capital on it can't represent anything.

ICBC property in mortgage interest rates is 4.4%, with monthly interest.

I. Basic formula for calculating interest The basic formula for calculating interest on savings deposits is: interest = principal × deposit period × interest rate.

II. Conversion of Interest Rate The conversion relationship among annual interest rate, monthly interest rate and daily interest rate is: annual interest rate = monthly interest rate × 12 (month) = daily interest rate ×360 (days); Monthly interest rate = annual interest rate ÷ 12 (month) = daily interest rate ×30 (days); Daily interest rate = annual interest rate ÷360 (days) = monthly interest rate ÷30 (days). Pay attention to the consistency with the deposit period when using interest rates.

3. Interest starting point 1. The starting point of interest for savings deposits is RMB, and no interest is paid for cents below RMB. 2. The interest amount shall be calculated to one decimal place and rounded to one decimal place when actually paid. 3. Except that the current savings are settled on an annual basis and the interest can be converted into principal, regardless of the deposit period, the interest of other savings deposits will be paid off with the principal at the time of withdrawal, excluding compound interest.

Iv. Calculation of deposit period 1, and the calculation of deposit period adopts the method of counting the first number and the last number. 2, regardless of the big month, small month, flat month, leap month, every month is calculated as 30 days, and the whole year is calculated as 360 days. 3. The maturity date of all kinds of deposits shall be calculated on an annual and monthly basis. If the account opening date is the missing date of the expiration month, the expiration date should be the last day of the expiration month.

Verb (abbreviation of verb) Calculation of interest on foreign currency savings deposit The interest rate of foreign currency savings deposit is based on the interest rate announced by the People's Bank of China, and the original currency bears interest (the second currency can be converted into RMB according to the foreign exchange rate of the day). Its interest-bearing provisions and calculation methods are compared with RMB deposit methods.

20 16 bank mortgage loan If there is China Merchants Bank in your city, you can try to apply for personal mortgage loan through China Merchants Bank. The required conditions, application materials and handling procedures of each loan project are different. Please call the customer service hotline of China Merchants Bank at 8:30- 18:00 on working days, and select "2 Labor Service-"1"Personal Banking Service-"4 "Personal loan business to enter labor service, and provide detailed information on loan purpose and city. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.

Industrial Bank real estate mortgage loan Bank real estate mortgage loan can be said to have the lowest interest rate among all loan products. However, it also depends on personal qualifications, which will rise above the benchmark interest rate.

Real Estate Mortgage Loan Process of Agricultural Bank of China;

The borrower opens a current deposit account in the bank;

Information required for preparing loans;

Face to face bank;

Bank filing and approval;

After approval by the bank, the bank will notify the borrower of the approval result and sign a loan contract with the borrower;

Go to the Construction Committee for mortgage registration;

Construction Committee issued his right certificate;

Handle insurance, notarization and other formalities as appropriate;

The bank directly transfers the loan to the account agreed in the contract;

The borrower shall repay the loan principal and interest according to the provisions of the loan contract.