Under normal circumstances, the loan will be submitted to the system for approval after taking photos. Please communicate with the loan account manager for details.
Bank loans need to be photographed and filed, which should have started not long ago. The purpose of taking photos is to prove that the loan contract was signed by myself. Moreover, in order to provide witnesses, the bank manager and the borrower in the photo are also required to appear at the same time.
The reason why banks require this is that they are afraid of customer signature fraud; Second, I am afraid that the handling personnel will not perform their duties or resort to deceit. With the signature photos of the borrower, the guarantor (if any) and the bank, it is ironclad, which guarantees the authenticity of the loan contract.
Therefore, the time when the bank requires customers to take photos must be when signing the loan contract.
As for video recording, because the amount of data stored is too large to form paper materials, banks rarely do so.
If the house is collateral, then taking pictures means:
First, make sure that the house does exist, and know the location, area, decoration and other details of the house.
The second is to provide the detailed information of the house to the evaluation agency, which can make an evaluation on the photos.
If the house is not collateral, but business premises, taking photos means:
The first is to prove that the customer is indeed operating and has a fixed residence.
The second is to know the location information of the operation, and you need to contact you for follow-up related matters.
Difference between housing mortgage loan and housing mortgage loan
1, the cost is different: mainly in terms of interest rate. For mortgage loans, it is commercial loans, also known as personal housing loans. Mortgage loan refers to the loan that the borrower obtains from the bank with certain collateral as guarantee. The interest rate is the benchmark interest rate stipulated by the People's Bank of China. In the past, there was a discount for buying a house at the mortgage interest rate. Due to tight policies and small quotas, interest rates have risen instead of falling. But the floating property of mortgage loan is lower than that of mortgage loan.
2. Different subjects of legal relationship: in the mortgage relationship, if the debtor is the mortgagor, there are only two subjects of legal relationship, namely the mortgagee and the mortgagor. In the mortgage relationship, there must be at least three legal subjects, namely, the mortgagor (bank), the mortgagor (buyer) and the third party (original house owner).
3. Different preconditions: the borrower wants to apply for a mortgage loan from the bank, which is a loan obtained from the bank with certain collateral. Mortgage loans can be used to buy a house or for other purposes. However, mortgage loan is a personal housing loan business that buyers use the purchased house as collateral and real estate companies provide regular guarantees, but it can only be used for buying houses.