Many people are no strangers to loans, which is a shortcut to solve the financial problem. In the past, because of the underdeveloped network, loans were handled at bank outlets or nearby loan companies. Now it's different. Across the geographical restrictions, loans from all over the country have the opportunity to be processed. So the loan can only be made locally? It depends.
1. Can I only borrow locally? Partial loan. Yes In particular, loans from banks and financial institutions will be clearly stated in the application conditions, such as local accounts, long-term residence certificates, or local real estate under their names, to ensure the stability of borrowers, rather than running away after application, so it is difficult for foreigners to apply for bank loans unless they have local assets. But now many online loans can be handled online and on mobile phones, and there is no need to borrow locally. You can seek some pure online loans with low thresholds, and users all over the country can apply. 2. What application materials should be provided for local loans? 1, at least 18 years old but not more than 65 years old, with China nationality and full capacity for civil conduct. 2. Have a fixed residence in the local area or assets under its name, and provide proof of long-term residence. 3. Have a stable occupation, stable legal income and sufficient repayment ability. 4. Personal credit is good, and there can be no overdue breach of contract. Anyway, I suggest you go to the bank for consultation. If you are a foreigner, you can also borrow money locally. You can also choose national loan products, provide necessary application materials and obtain loans.
Second, do you have to get a local license to buy a car?
Answer board, there is no such requirement for cars bought with mortgage loans. For example, I bought a car with a loan from Haining, Jiaxing City, Zhejiang Province, and now I want to get a license in Yiwu, Jinhua City, Zhejiang Province. Is it okay? Answer the car you bought in Haining, Jiaxing, Zhejiang. If you want to get a license in Jinhua and Yiwu, you must have a residence permit in Yiwu. You can get a certificate if you have a residence permit in Yiwu. More 1 _
Third, do you have to borrow from a local bank to get a bank loan?
Generally, the period for handling personal loans is no longer than 5 years, and the geographical location and fixed number of years of mortgaged real estate must meet the requirements of banks; The specific information required is as follows:
Loan terms:
1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;
2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;
3. Guarantor;
4. Information required for personal loan: ID card, household registration book, proof of marital status, income certificate, real estate license, ID card, household registration book, proof of marital status and other relevant information required by the bank.
5. Property owner's ID card/household registration book/proof of marital status;
You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee.
Process:
1. Apply for a loan from the bank,
2. After the acceptance of the bank, evaluate the value of the mortgaged property and approve the loan amount according to the evaluated value;
3. Sign a loan contract, etc. ;
4. Apply for real estate mortgage registration;
5. Bank loans _
Which bank to apply for a loan depends on where you live and work in. Generally, the four major state-owned commercial banks have various loan businesses, and so do small and medium-sized banks in other places, mainly depending on whether your conditions meet the requirements of banks. Specifically, you can go to a nearby bank outlet for consultation.