You can't.
Proof of assets.
1. Buying a house in full: Buying a house in full locally is a strong proof of the borrower's asset strength, and banks can issue credit loans to borrowers on this basis. The amount is related to the holding value of the property and the nature of the property, generally up to 500,000 pounds.
2. Mortgaged house: As long as customers with mortgaged houses repay on time every month, they will leave a good credit record on the credit investigation, which means that the credit investigation not only reflects the real estate, but also reflects a good repayment record. Therefore, banks can issue credit loans to customers according to the repayment situation of mortgaged houses, and the amount is linked to the repayment time of mortgaged houses and the monthly repayment amount, generally up to 500,000.
3. Cars: The logic of using full-scale cars and mortgage car loans is similar to that of using full-scale houses to mortgage houses. The full car is the proof of assets, and the mortgage car reflects the repayment record. The loan amount is also related to the value of the car. Because the value of the car is limited, the loan amount is generally not too high. Of course, please ignore friends who have luxury cars at home.
4. Provident Fund: The longer the payment time of housing provident fund means that the borrower is more stable in the work unit, and the higher the monthly payment means that the borrower has a higher position in the work unit. On the other hand, the balance in the housing provident fund is also the borrower's asset, so banks like borrowers who pay the provident fund stably. It should be noted that using the provident fund to apply for a credit loan will not use the borrower's provident fund, but will only query the payment information of the provident fund as the basis for approval.
5. Life insurance policy: Because life insurance policy holders need to pay premiums regularly, and the accumulated premiums are also an asset of individuals. Therefore, some banks will regard it as credit records and assets and use it to develop credit products. Similar to the provident fund, the longer the payment time, the higher the payment amount, and the easier it is for funds to be approved. Generally speaking, customers need to pay life insurance three times every two years.
6. Company operation (running water, paying taxes, invoicing): For borrowers with company operation under their names, there will be more loan options. At present, major banks have developed many credit loan products for small and medium-sized enterprises, most of which require the company to have a large business flow (more than 6,543,800 yuan per month), tax payment (more than 6,543,800 yuan per year) and invoices (more than 6,543,800 yuan per year). The amount of this loan is relatively large, up to 3 million, and the annualized interest is relatively low, which is more suitable for corporate customers.
In addition to the basic asset certificate as the access condition, the bank's credit loan approval will also consider the borrower's credit information. Generally, historical repayment records (whether overdue), liabilities (whether relative liabilities are reasonable), historical loans (not too many micro-loans and online loans) and inquiry records (not too frequent in the near future) will be comprehensively considered.
Repayment ability: In addition to access conditions and credit information, we will also consider the customer's repayment ability, that is, the work situation, such as the quality of the work unit, the position of the unit, monthly income, civil servants are easier than ordinary units, and management is easier than ordinary employees. Generally speaking, applying for a loan requires a certain asset certificate, a good credit record, and a stable working and repayment ability.
What are the purchase restriction policies in Hefei?
1. In urban areas (excluding four counties and one city, the same below), the sales of new commercial housing to households with two or more houses in this urban area will be suspended;
Hefei urban hukou is limited to 2 new houses, and second-hand houses are not limited.
2. Suspend the sale of newly-built commercial housing and existing housing to non-urban registered households who have paid personal income tax or social insurance certificates for more than 1 year in urban areas for two years before the date of purchase;
Hefei non-urban hukou (including four counties, one city and foreign hukou, with monthly social security payment or tax payment for one year within two years) is limited to 1 set, including new and second-hand houses.
When buying a house for the first time in Hefei, the general down payment is 30%;
If there is a 1 suite in downtown Hefei, the urban hukou can buy the 1 suite again. On the premise of full payment or settlement of the first suite, the loan can be down payment of 40%, and the outstanding 50%;
If there is a 1 suite in four counties and one city, you can pay 40% down payment on the premise that the first suite is paid in full or settled, and 50% is not settled;
If there are two suites in four counties and one city, it has been settled 1 suite, but not settled 1 suite: the loan will not be accepted, and the full payment can be made.
Full amount 1 loan and 1 loan: 40% can be settled and 50% is not settled.
Two sets of full payment: 30% down payment.
Two sets have been settled: 60% down payment.
3. Loan restriction policy:
The minimum down payment ratio of urban households applying for commercial personal housing loans for the first time is adjusted to 30%; The resident family owns the house 1 set and has no record of house purchase loan (including the record of off-site loan, the same below). The resident family owns the house 1 set and the corresponding house purchase loan has been settled. The resident family has no house but has a record of house purchase loan 1 set.
Apply for commercial personal housing loans to buy a house, the minimum down payment ratio is 40%; If a resident family owns 1 apartment and the corresponding housing loan has not been settled, the minimum down payment ratio is 50% in order to improve the living conditions and apply for a commercial personal housing loan to buy a house again.
Suspension of commercial personal housing loans to urban registered households with two or more houses, non-urban registered households with 1 house or unable to provide personal income tax or social insurance certificates for more than 1 year in urban areas within two years before the date of purchase.
When employees who already own two houses under the family name buy a third house, they will stop issuing housing provident fund loans. Stop the "business to public" loan business. Stop issuing housing provident fund loans in different places.
For Hefei houseless households:
(1) Without loan: 30% down payment.
(2) 1 loan record, settled: down payment of 40%.
(3) 1 loan record. Outstanding situation: 50% down payment.
(4) Two or more loan records, settlement: 60% down payment.
(5) There are two or more loan records, but not all of them have been settled: loan suspension.
For the suite of 1:
(1) No loan: 40% down payment.
(2) 1 loan record, settled: down payment of 40%.
(3) 1 loan record. Outstanding situation: 50% down payment.
(4) Two or more loan records, settlement: 60% down payment.
(5) There are two or more loan records, but not all of them have been settled: loan suspension.
1 The amount of provident fund loans for suites and 2 suites is the same, and 3-suite loans and off-site provident fund loans are stopped.
Note to buyers: Households registered as collective households after 20 16 16 10, after one year, have the same qualifications as urban households.
Extended data:
Conditions for foreigners to buy a house in Hefei:
1. A foreign household registration who wants to buy a house in the restricted area of Hefei needs to have a one-year social security (inquiry) or a one-year tax payment certificate in Hefei. At the same time, the minimum down payment for the first suite is 30% of the total purchase price, and the minimum down payment for the second suite is 60%.
If you buy a house in a non-restricted area, you can borrow money to buy a house or make a one-time payment. For details, please consult the real estate sales department in the non-restricted area.
2. The situation of foreign household registration buying a house in Hefei. Limited purchase areas and non-restricted purchase areas, new houses and second-hand houses, etc. Among them, the policies of purchasing houses by non-restricted areas and restricted areas are different.
The restricted areas in Hefei are: Luyang, Shushan, Baohe and Yaohai; The non-restricted areas for buying a house in Hefei are: Hi-tech, Economic Development, New Station and Binhu.
3. Purchase materials: materials required for foreign residents to purchase houses in Hefei restricted area: proof of tax payment or social security for more than one year (including one year) (inquiry handling), unmarried certificate/marriage certificate, and certificate of ownership of houses (proof of no house for those who have no house).
The procedures and required documents for handling commercial loans, portfolio loans and provident fund loans are different. For details, please consult the loan bank or the staff of provident fund management center and sales department.
The specific measures for Hefei's settlement are:
1, reasonably relax the conditions for urban settlement.
Persons who have been legally and stably employed in cities and towns for two consecutive years and live legally and stably (including leasing), those who have participated in urban social insurance for 1 year according to state regulations, and their spouses and minor children who live together can apply for registration of permanent residence at the place of employment. Rental housing, household registration in collective households.
2. Fully relax the settlement conditions of towns and counties (cities) under the jurisdiction of Chaohu City.
Persons who have legally stable residences (including leases) in the towns where the people's governments of Chaohu City and counties are resident, and their spouses, minor children and parents who live together can apply for registration of permanent residence locally. Rental housing, household registration in collective households.
3. Optimize the talent settlement policy.
High-level innovative and entrepreneurial talents, bachelor degree or above, and their spouses and minor children who live together can choose their own places to settle down directly.
Graduates of ordinary universities, vocational colleges, technical colleges and secondary vocational schools who are employed in Hefei, themselves and their spouses and minor children who live together, can apply for registration of permanent residence at the place of employment.
4. Solve the problem of professional and technical personnel settling down.
Persons employed in Hefei have won the title of model worker and advanced worker at or above the county level, won the top three in sports competitions or vocational skills competitions at or above the municipal level, have intermediate or above professional qualifications or are in short supply of talents, and their spouses and minor children living together can apply for registration of permanent residence at the place of employment.
5. Encourage investment entrepreneurs to settle down.
If you invest in an industry or start a business in Hefei, you have a legal and stable office and pay taxes according to law. Investors and their spouses and minor children who live together can apply for registration of permanent residence at the place of employment.
6. Relax the migration conditions for couples to take refuge and minor children to take refuge in their parents' accounts.
Households where husband and wife and minor children live together can take refuge in the hukou.
7. Parents transfer to their children's accounts.
Those who have moved into the household registration in line with Hefei's settlement policy can obtain commercial housing through purchase, and can handle the migration of their parents' household registration for their children in accordance with relevant regulations.
8. Properly solve the problem of permanent residence.
Citizens with unplanned children, counties (cities), districts and development zones shall not set their own preconditions; Other people who have not settled in their permanent residence can apply for permanent residence registration after investigation and verification.