How to enter the city to study?
1. The city study is a bookstore, and the study is mainly used for business. If we want to go in, the method is actually very simple. We can divide it into two ways, one is borrowing books, and the other is reading.
If you just want to go in and have a look, the two materials you must provide are ID card and reader's card. Another form is simpler, that is, the rights of people who often go to cities to study. Because such friends often come to see it, they usually get a library card and can take it in. In the process of handling, a deposit of 100 yuan is also needed.
At present, many cities have opened such libraries, and they all operate 24 hours a day. As long as you have a library card, you can go in and out at any time, day and night. However, you must return the book according to the specified time, otherwise your reputation will be affected, and the library card will be automatically invalidated and the deposit will be confiscated directly.
What is the process of housing loan?
1, sign the house purchase contract.
Property buyers should sign a purchase contract with the seller. This step needs to pay attention to the review of the house? Five certificates? , including state-owned land use certificate, construction land planning permit, construction project planning permit, construction permit and commercial housing sales (pre-sale) permit.
2. Fill in the personal housing loan application form.
Property buyers bring down payment receipt, commercial housing sales contract, ID card, household registration book, original and photocopy of income certificate to the bank to fill in the application form for personal housing loan.
3. The bank examines the loan application.
The bank's credit staff will review and approve the materials submitted by the applicant step by step. If it is considered that it meets the conditions of bank loans, the applicant shall be notified to sign the Individual Housing Mortgage Loan Contract, and the contract period shall not exceed 30 years.
4. Apply for insurance.
Property buyers go to the Housing Authority to apply for the certificate of other rights of the house, which proves that the house has the mortgage right of the bank, go to the notary department to apply for the notarization of property right mortgage, and also need to go to the insurance company to apply for home insurance.
Step 5 open an account
If the borrower chooses to repay by entrusted deduction, it shall sign an entrusted deduction agreement with the bank and open a special repayment account at the business outlet designated by the loan bank. At the same time, the seller should also open a settlement account or deposit account with the loan bank.
I know how to study in cities. What's wrong with the housing loan process? Studying in the city is really not very complicated, but because of its different nature, sometimes you have to do corresponding operations when you go in. As a characteristic building, it is no problem to visit it, but it should not be too outrageous. After all, it is learning, and the main purpose must be exchange learning.