The loan interest rate is between the provident fund loan interest rate and the bank loan interest rate.

If you want to know about loans, you can check the blog "Big Finger" on the outline.

Working capital loans are highly liquid and suitable for industrial and commercial enterprises with short-term and medium-term capital needs.

Under normal circumstances, according to the loan management policy of "safety, liquidity and profitability", banks make decisions on whether to lend, whether to lend more or less, the loan term and interest rate after investigating and approving the credit status and loan methods of customers.

Medium-term working capital loan is suitable for customers with normal production and operation, good growth, marketable products, profitable operation, no bad credit record and high credit rating. Customers who can provide full low-risk guarantee are not restricted by credit rating.

Finally, the lender's credit record is good. If the fee does not go through an intermediary company, it needs appraisal fee, mortgage fee, stamp duty, etc. The appraisal fee is large, which is generally 0.5% of the appraisal price. The house of 654.38+ 10,000 yuan is appraised in 500 yuan, and the mortgage fee and stamp duty 100 yuan. Consult specific banks for other fees.

2. Do you need a credit report for provident fund loans?

Need. When applying for provident fund loans, you need to check the credit report, and the provident fund center will check the credit report of the applicant and his spouse to see if there are other outstanding loans. If there are other loans outstanding, whether the monthly repayment exceeds 50% of the family's monthly income according to the comprehensive liabilities (the specific approval criteria are subject to the local actual regulations), or directly require the applicant to pay off other loans before submitting an application for provident fund loans. The applicant is not required to settle other loans, and the monthly payment of debt plus provident fund loans exceeds the applicant's ability. Therefore, the applicant needs to provide proof materials such as bank running water, tax payment certificate, bank time deposit certificate, or national debt certificate that can cover the excess part to prove that he has the ability to repay the loan. Provident fund loans refer to individual housing provident fund loans, which are issued by local housing provident fund management centers. With the housing provident fund paid by employees who apply for provident fund loans, commercial banks are entrusted to issue mortgage loans to housing provident fund depositors who purchase, build, renovate or overhaul their own houses and retired employees who pay housing provident fund during their working life. According to the regulations, employees who have paid housing provident fund for more than a certain period of time can apply for provident fund loans when the funds for purchasing, building, renovating and overhauling their own houses are insufficient. Generally speaking, most of them are loans from CCB. First, there are certain thresholds for housing provident fund loans. The borrower must meet the following conditions: 1. Having legal and valid identification; 2. Have full capacity for civil conduct; 3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan; 4 purchase, construction, renovation and overhaul of owner-occupied housing; 5 with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents; 6. Housing provident fund deposit conditions that meet the loan designated by the client; 7. Provide customer-recognized guarantee; 8. Neither the borrower nor the husband and wife have outstanding housing provident fund loans or housing provident fund policy discount loans; 9. Meet other conditions stipulated by the client. 2. In addition to the above nine conditions, applicants for housing provident fund loans must meet one of the following three conditions: 1. Applicants who purchase policy-oriented housing with the approval of government departments should, in principle, have established a housing provident fund account for more than 12 months (inclusive), and have continuously paid the housing provident fund in full for 6 months before applying for a loan, and they are in the state of payment when applying for a loan. 2. Borrowing applicants who purchase non-policy housing should, in principle, continuously deposit the housing provident fund 12 months in full before applying for loans (slightly different from place to place), and they are in the state of deposit when applying for loans. 3. The loan applicant is a retired employee who has paid the housing provident fund during his employment. The calculation of provident fund loan amount should be determined according to four conditions: repayment ability, the proportion of housing price, the balance of housing provident fund account and the maximum loan amount. Third, at the same time, it should be noted that the housing accumulation fund must be handled at 1. All original documents must be brought; 2. Married borrowers must have both husband and wife present; 3. The numbers and names on the ID card, household registration book and marriage certificate must be consistent; All materials must be copied in A4 format.

Third, the personal credit report, what does it mean to transfer the state of provident fund loans?

Housing provident fund loans, the bank will give you a one-time transfer.

Housing provident fund individual housing loans have two repayment methods: gold repayment method.

The repayment method of constant total interest and equal repayment of principal and interest every month, but the repayment amount of the loan principal increases month by month and the loan interest decreases month by month, refers to the repayment method of the borrower with fixed monthly repayment principal and reduced loan interest month by month.

Extended data

target

1, with valid identification;

2. Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and those who do not participate in the work cannot apply for housing provident fund loans.

3. When one spouse applies for a housing provident fund loan, the housing provident fund loan shall be made before the principal and interest of the loan are paid off. Because the housing provident fund loan is a kind of "housing security", which provides financial support when meeting the basic housing needs of workers' families.

Apply for housing provident fund loans, should have a considerable or more self-raised funds (local regulations vary); Housing provident fund loan applicants should agree to apply for loan guarantees, and so on. These are all to reduce the risk of housing provident fund loans.

use

The use of housing provident fund loans is limited to the purchase of self-occupied housing with ownership. The purchased housing should be in line with the housing purchased by the municipal provident fund management department with the right to use, and housing provident fund loans cannot be applied.