Shijiazhuang Luquan Rural Commercial Bank and Shijiazhuang Luquan District Real Estate Registration Center have communicated many times, and launched the "Internet + Real Estate Registration" service method in September, which was officially put into use on October 11, realizing a one-stop service for mortgage registration and alleviating the cumbersome and time-consuming problem of customers applying for real estate mortgage loans.
The staff of Luquan Rural Commercial Bank introduces the operation steps of self-service real estate registration to customers (right) (Photo by Liu Siwen)
Previously, customers to handle real estate mortgage loans to first go to the real estate registration center to issue personal real estate registration certificate and mortgage real estate registration status certificate, and then to the bank to sign a loan contract, and then to the real estate registration center to handle mortgage registration procedures, after the completion of the entrusted bank to the real estate registration center to obtain the certificate, the bank in the real estate registration center to verify the registered collateral is not abnormal, and finally can obtain a loan, generally takes 3 to 7 working days, need to run the registration center at least 2 times or more.
Luquan Rural Commercial Bank builds a real estate + financial registration system by creating the Internet + real estate + financial services, and submits a mortgage registration application to the real estate registration system through the network line on the real estate + financial service platform, and the real estate registration can generate an electronic version of the real estate registration certificate after the review, approval and registration process. At the same time, the self-service real estate registration machine is arranged and placed, so that customers can conduct self-service certification inquiries at Luquan Rural Commercial Bank and fully enjoy the one-stop service of real estate mortgage registration.
In the past, when the relationship manager of Luquan Rural Commercial Bank handled the real estate mortgage business, he often encountered problems such as cumbersome procedures and difficulties in inquiring about the status of real estate. After the new system is launched, Luquan Rural Commercial Bank can understand the personal real estate status data in real time through real estate information sharing, query the real estate status and real estate information, and timely understand whether the property has mortgage, duplicate mortgage, false mortgage, seizure and other restrictive information, realize the sharing of loan customer real estate information and bank loan information, can more quickly and effectively identify the risk of collateral, effectively avoid the artificial moral hazard of collateral in the process of circulation, and reduce operational risk. It will also further improve the level of risk control.
Luquan Rural Commercial Bank's "Internet + Real Estate Registration" credit service of "only one door" has further improved the loan efficiency of enterprises and accelerated the flow of funds for enterprises. In addition, Luquan Rural Commercial Bank insists on strengthening and optimizing the rural revitalization host bank, constantly improving the pricing mechanism, standardizing financing charges, giving profits to the real economy, reducing the comprehensive financing costs of small and micro enterprises, effectively helping enterprises solve the problems of financing difficulties and expensive financing, further optimizing the regional business environment and promoting the development of the local real economy. (Reporter Xie Yuanhui Correspondent Liu Siwen)