No, housing loans and bank loans need the same conditions. From the above, it can't be just the bank running water. specified conditions

1. Have social security or provident fund at work;

2. There is public and private tap water with complete five certificates;

3. Life insurance, mobile banking, which can prove repayment ability;

4. With real estate or car as collateral, the repayment ability is clear.

Loan is a form of credit activity in which banks or other financial institutions provide funds for a currency. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans to meet the demand for supplementary funds for large-scale reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Traditional loan (also called submitting loan application in the real life of RMB loan)

Online loan (also called online loan, which refers to the application submitted by online loan) is a P2P financial loan.

The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away, and there is no fixed investment group, so it is safe and protects investors.

Mobile phone loan (refers to submitting a loan application through the mobile phone loan app, which is flexible and convenient at any time and place)

Basic loan terms: The loan target is the China public with full civil capacity in.

Loan amount: after the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the loan, mortgage amount, guarantee amount or credit amount.

The amount pledged shall not exceed 90% of the face value of the loan certificate; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit limit and guarantee are determined by grade. Guarantee method: mortgage, pledge, third-party guarantee or credit granted by CCB.

Term of loan: the longest validity period of mortgage line is 5 years, the longest maturity date of pledge line is not more than 5 years, and the validity period of credit line and guarantee line is 2 years. The validity period of the line shall be calculated from the effective date of the loan contract.

If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.

2. Can the bank still borrow money if it has deposits? Of course.

Banks can borrow money if they have deposits. Under certain conditions, self-storage tap water can apply for loans. The borrower needs to meet the following conditions:

1, and it takes more than six months for self-storage running water;

2, a stable source of income, and can provide the corresponding source of income documents;

3. Good credit and no bad credit record in the near future;

4. Other preconditions required by the lending institution.

The above is the relevant content of whether a bank can get a loan if it has a deposit.

Can't I withdraw my bank deposit?

Bank time deposits can be withdrawn without the user himself, but if they are not withdrawn in advance, the process will be more complicated, and it is necessary to carry the power of attorney, the original ID card and the account book information. If the time deposit expires, you only need to provide the depositor's ID card, deposit certificate, original ID card and password to withdraw it.

Is there a limit for bank card deposits?

There are no restrictions on bank card deposits, but pay attention to whether it is a first-class card or a second-class card. First-class cards are not limited. The daily limit of the second-class card is 10000 yuan, and the annual limit is 200000 yuan. A bank can only handle one bank card. You don't need an ID card to withdraw money below 50,000 yuan from the bank, but you can bring a bank card to handle it. If you deposit more than 50,000 yuan, you need an ID card and a bank card to handle the deposit procedures, and you can deposit money at the ATM.

What are the risks of bank time deposits?

1. Risk of principal and interest damage: This risk is only for depositors whose total savings principal and interest exceeds 500,000. According to the requirements of the Savings Insurance Regulations, when the user's principal and interest are less than 500,000, the bank can pay in full. Even if the bank goes bankrupt, money with principal and interest less than 500 thousand can be absolutely safe. However, if the depositor's regular principal and interest exceeds RMB 500,000, there will be a risk of loss if the excess is exceeded;

2. Risk of currency depreciation: Rising prices are one of the manifestations of falling currency prices. When inflation occurs, the price of money will fall. However, the user's deposit period in the bank will also be affected by it, and there may be discounts;

3. Risk of poor liquidity: Compared with current demand, the former has high profit but poor liquidity. The latter has strong liquidity, but poor profitability. Many depositors choose time deposit as a special tool for saving, and the most important thing is to take a fancy to its rate of return. But we can't ignore its poor liquidity.

This article is mainly about whether banks can use deposits to obtain loans, and the content is for reference only.

Third, the loan to buy a house, the bank runs on its own, can it be loaned?

It is understood that under certain conditions, self-storage tap water can also apply for loans. The conditions that the borrower needs to meet include: 1, with tap water for more than half a year; 2. The borrower has full capacity for civil conduct; 3. The borrower has a stable and legal income source, and can provide corresponding proof materials of income source; 4. The borrower has good credit and no bad credit record in the near future; 5. Other conditions stipulated by the lending institution.

Fourth, the loan to buy a house, the bank runs on its own, can it be loaned?

It is understood that under certain conditions, self-storage tap water can also apply for loans. The conditions that the borrower needs to meet include:

1, which has been in running water for more than half a year;

2. The borrower has full capacity for civil conduct;

3. The borrower has a stable and legal income source, and can provide corresponding proof materials of income source;

4. The borrower has good credit and no bad credit record in the near future;

5. Other conditions stipulated by the lending institution.