Suqian postal credit loan processing steps are as follows:

1. Application: The borrower brings the loan materials to the bank to submit an application.

2. Approval: The bank examines the borrower's credit records and other materials.

3. Credit evaluation: The comprehensive qualification of the borrower includes credit record and social credit evaluation.

4. Signing: After approval, the borrower signs a loan agreement with Suqian Postal Bank, and the bank will give the borrower a loan amount.

5. Lending: after obtaining the loan amount, apply to Suqian Post for payment, and finally distribute it to the borrower's bank card by transfer.

How to borrow Suqian enterprise loans? With these skills,

There are many small and medium-sized enterprises in Suqian, Jiangsu Province, which rely on loans to maintain their operations and production. However, enterprise loans are risky, the result of blind application will be rejected, and some skills must be mastered in order to successfully borrow. Below, let's take a look at how Suqian enterprises achieve high loan success rate.

1. Maintain good credit.

Good credit is a prerequisite for enterprise loans. Without trust, it is untenable, and it is the same for enterprises.

Usually, banks will judge corporate credit from two aspects. One is to look at the personal credit of business owners or major shareholders. At present, less than three years overdue, the credit of married spouses will also be checked; One is the enterprise's own credit, which depends on whether the enterprise has the integrity to pay taxes, whether the tax level is high, whether it is trustworthy in cooperation and so on.

2. Choose the appropriate loan channels and methods.

There are usually two kinds of banks and loan companies, both of which must have local outlets in Suqian. Enterprises can only apply if they have a fixed business place in Suqian.

Although the thresholds of banks and loan companies are different, it is suggested to choose banks first, compare several banks and choose the application that is most suitable for the credit conditions of enterprises. If the bank does not approve, it will find a loan company. The choice of loan method depends on whether it is offline loan or online loan.

3. Choose the right loan type.

There are many kinds of corporate loans, such as mortgage loans, credit loans and secured loans. , each has its own advantages and different requirements for enterprises.

If the enterprise has goods and a factory building with property rights, it can apply for a mortgage loan, which can reach 80% of the mortgage valuation at the highest, and the term is also very long; Enterprises have been paying taxes in good faith, and those who have paid taxes for more than 2 years can apply for corporate tax loans. In addition to the local tax remittance business, you can also try the Wechat business loan from Weizhong Bank, and you can apply directly online. The maximum is 3 million, and it can be approved in 30 minutes at the earliest.

The down payment ratio of the third home loan in Suqian

The minimum down payment ratio of the first suite is 20% of the total house price, the down payment ratio of the second housing provident fund personal housing loan shall not be less than 60%, and the down payment of the third housing is a one-time payment, calculated at 30%. According to the inquiry of Suqian Municipal People's Government, the down payment ratio of buying three houses in the local area is different. The minimum down payment ratio of the first suite is 20% of the total house price, the down payment ratio of the second suite provident fund personal housing loan shall not be less than 60%, and the down payment of the third suite is a one-time payment, calculated at 30%.

Suqian provident fund loan amount

1.2022, the maximum amount of single deposit housing provident fund loans was adjusted from 250,000 yuan to 400,000 yuan, and the maximum amount of double deposit housing provident fund loans was adjusted from 500,000 yuan to 600,000 yuan.

2. Full-time graduate students and "double-class" construction college graduates who are employed in our city apply for housing provident fund loans for the first time. The maximum amount of single deposit loan is 480,000 yuan, and the maximum amount of double deposit loan is 720,000 yuan.

3. Cai Yingka's Class A and Class B talents purchase self-occupied housing for the first time and apply for housing provident fund loans. The loan amount can be relaxed to 65,438+0.5 times of the city's maximum limit (currently implemented), with a maximum loan of 600,000 yuan for a single deposit and 900,000 yuan for a double deposit.

Implementation time:

It will be implemented from May 2022 18 and will be valid until June 30, 2023. Apply for a housing provident fund loan to buy a first-hand house, and the execution date shall be subject to the signing date of the registration contract; If the second-hand house is purchased, the execution date shall be subject to the loan acceptance date. If the signing date of the registration contract and the loan acceptance date are before May 18, 2022, the original policy standards will still be implemented.

How much can Suzhou provident fund borrow 15 thousand yuan in Suqian?

Suzhou 10 thousand provident fund, you can borrow 500 thousand.

1. The formula for calculating the maximum loanable amount according to the balance of Suqian housing provident fund account is: (balance of provident fund account, monthly contribution of provident fund ×2× statutory retirement months )× 2.

2. The loanable amount calculated according to the maximum amount of Suqian loan: if one person applies for housing provident fund loan, the maximum loan amount is 500,000 yuan, and if two or more people buy the same house and apply for housing provident fund loan, the maximum loan amount is 800,000 yuan.

3. The loanable amount calculated according to the loan ratio of Suqian: for families (including borrowers, spouses and minor children, the same below) who buy the first house in Suqian and the construction area of Xing Tao is less than 90 square meters (including 90 square meters) or buy affordable housing in Suqian according to regulations, the down payment ratio is not less than 20%; For families who purchase the first set of housing and have a Taoxing construction area of 90 square meters or more, the down payment ratio shall not be less than 30%.

Suqian provident fund loan amount has been greatly increased on the basis of the original maximum loan limit of 6.5438+0.5 million yuan for single employees and 300,000 yuan for dual employees. Now single employees can borrow 500,000 yuan, and double employees can borrow 800,000 yuan, but the down payment is not less than 20%.

What is the loan amount of Suqian provident fund?

Legal analysis: How to determine the loan amount of Suqian housing provident fund? 1, loanable amount = sum of total monthly wages of borrowers and their spouses × repayment ability coefficient of employees× L2 months× loan period. The repayment ability coefficient is determined according to different loan terms, which is 40% within 5 years (including 5 years) and 45% within 5 to 30 years. .2. The maximum loan limit shall not exceed the specified proportion of house price, which shall be determined by the center according to relevant regulations. The maximum loan amount shall not exceed twice the deposit amount of housing provident fund within the retirement age of borrowing family members, and shall not exceed the local maximum loan amount. .3. The monthly repayment amount shall not exceed half of the family wage income. 1. The repayment ability coefficient of the loanable line is determined according to different loan terms, which is 40% within 5 years (including 5 years) and 45% within 5 to 30 years.

2. The maximum loan amount shall not exceed the specified proportion of house price, which shall be determined by our center according to relevant regulations. The maximum loan amount shall not exceed twice the amount of housing provident fund paid by family members within the retirement age of the borrower and shall not exceed the maximum loan amount.

3. The monthly repayment amount of the loan shall not exceed half of the monthly salary of the family.

4. The loan amount is 5. The purchaser meets the conditions of housing provident fund loan, and the spouse has paid the provident fund for less than 6 months, but has paid the provident fund continuously for more than 3 months (one-time payment is not regarded as normal continuous payment), so he can participate in the calculation of the loan amount. When necessary, the provident fund center can verify the authenticity of employees' work in the unit through social security and other departments.

6, individual units or employees in order to increase the loan amount, short-term assault to increase the monthly deposit amount of housing provident fund, after investigation and verification by the center, the loan amount can be calculated according to the original deposit standard of provident fund.

Legal basis: Regulations on the Management of Housing Provident Fund

Twenty-fourth employees in any of the following circumstances, you can withdraw the balance of storage in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Twenty-fifth workers from the housing provident fund account balance, the unit shall verify, and issue a certificate of extraction.

If the employee withdraws the balance stored in the housing provident fund account, it shall be verified by the unit where he works and a certificate of withdrawal shall be issued.

Twenty-sixth workers who have paid housing provident fund can apply for housing provident fund loans to the housing provident fund management center when purchasing, building, renovating or overhauling their own houses.

The housing provident fund management center shall make a decision on whether to grant loans within 15 days from the date of accepting the application, and notify the applicant; Where a loan is granted, the entrusted bank shall go through the loan formalities.