The business can borrow 500,000 yuan from the bank in the form of mortgage loan, and it needs to provide sufficient mortgage assets.
There are five kinds of mortgage loans:
Bank mortgage loan
① Individual housing loans: individual housing commercial loans, individual housing provident fund loans and individual housing portfolio loans;
② Enterprise mortgage loan;
③ Trust mortgage loan.
Pawnshop mortgage
Mortgaged pawn refers to the act that a pawnshop mortgages its real estate to a pawnshop, pays a certain percentage of fees and interests to obtain a pawnshop, and pays the interest and expenses of the pawnshop within the agreed time limit, repays the pawnshop and redeems the pawnshop. The interest and expenses add up to about 3% per month.
Vehicle mortgage
Automobile mortgage is a loan obtained from a financial institution or an automobile consumption loan company with the borrower's or a third party's car or self-purchased car as collateral. The purpose of loans with automobiles as collateral is mainly automobile consumption. Of course, cars depreciate rapidly, and traffic accidents are likely to affect the value of vehicles. There are relatively few ways for financial institutions to issue loans with cars as a single mortgage. ) The emergence of automobile mortgage service platform "Easy Car Loan" provides a new channel for people who own private cars to borrow money in the short term.
house property mortgage
Real estate mortgage loan refers to the RMB loan in which the borrower mortgages the purchased commercial house, and the loan bank provides the borrower with a package of financial services to meet his various needs such as house purchase, parking space, large durable consumer goods, automobiles and house decoration. Financial institutions give borrowers a certain credit line within the stipulated mortgage interest rate. Generally speaking, the loan approval and lending cycle of financial institutions are relatively long, and the emergence of a real estate mortgage loan service platform-Qianbang Capital and Youjia Loan provides borrowers with a new channel for rapid financing.
Five-color soil mortgage
The borrower mortgages the real estate in the name of the lender (natural person), and the lender directly gives the funds to the borrower, and the borrower repays the principal and interest as agreed. If the borrower fails to perform the due debt, the lender has the priority to be repaid. Wuse Soil is responsible for risk management, pre-lending risk rating and post-lending litigation execution of mortgage loans. Conduct due diligence on each mortgage loan, evaluate the risk and determine the risk level of five-color soil: AAA, AA, A, etc. The interest rate plus fees is generally around 18% per year.
How to borrow a personal loan of 500 thousand? Choose the right loan method
Many people are in urgent need of a large sum of money and always want to borrow money, so they should choose the appropriate loan methods and channels in combination with the loan amount and their own conditions. For example, someone will ask how to borrow a 500,000 personal loan. Let's briefly introduce it today.
How to borrow a personal loan of 500 thousand?
Although banks and many financial institutions can provide loan services, few financial institutions can provide loans of 500,000 yuan except banks. However, if you want to borrow 500,000 yuan from the bank, you must first have a clear understanding of your own conditions, and then choose the appropriate loan method, such as credit loan or mortgage/pledge loan.
There are two aspects to analyze here, that is, those with assets and those without assets.
1. If there are no assets in the name, credit loans are preferred, but ordinary credit loans cannot provide a high amount of 500,000 yuan. However, some banks can provide provident fund credit loans and social security loans.
For example, the maximum amount of provident fund credit loans, such as Minsheng Bank Gong Xi Credit Loan and Guangfa Bank Provident Fund Credit Loan, is 500,000. Based on the user's provident fund deposit information, combined with personal credit information, comprehensive evaluation and credit granting are carried out.
For example, social security loans, Minsheng Bank, Ping An Bank, etc. all have credit loan businesses tailored for social security customers, with a maximum amount of 500,000. Based on the user's social security deposit information, combined with personal credit information and repayment ability, the evaluation procedure is carried out.
2. If you have assets in your name, such as documents of houses, cars and wealth management products, you can apply for mortgage/pledge loans if you want to borrow 500,000 yuan.
However, it should be noted that the loan amount depends not only on the borrower's credit status, but also on the assessed value of the assets used for mortgage or pledge, which is generally about 70% of the assessed value, that is to say, at least a house or a car of about 800,000 is needed to do it.
The above is the introduction of "How to get a loan of 500,000 individuals". In short, a personal loan of 500,000 yuan is relatively difficult. Usually only people with strong economic strength and rich assets can borrow it. But borrowers have their own businesses, so it is relatively easy to apply for corporate loans.
Hey, man, I need a loan of 500 thousand. What should I do?
Hey, man! Recently, business turnover needs a loan of 500 thousand. Do you think you can help me finish it as soon as possible? I am a very trustworthy and honest person.
First of all, before applying for a loan, tell me your basic situation. When do you need a loan and what is the purpose? The first thing you need to do is to use your ID card to print a credit report at the bank credit reporting branch. You can't say how to apply without looking at the credit report. Credit information truly records your basic personal information, loan records, credit card limit, usage, overdue, total liabilities, application and inquiry records, etc. (Of course, the credit will be upgraded after a while, and it will contain more personal information), because all loan applications are related to individuals.
Let's put ourselves in others' shoes. Suppose you are a bank or lender, would you rather give money to a customer with low debt, no overdue, assets and few application records, or would you rather give money to a customer with high debt, continuous overdue, no fixed assets in the local area, frequent mobility and recent application for loans from major banks or institutions? The former, of course. The so-called honesty is not a word you say orally, but more reflected in your actual performance record.
Then I didn't apply for any loan. Is it easy to apply? Of course not, because there is no performance record, and banks or lending institutions have no reference basis. This is the so-called "white households", and major institutions generally lend cautiously. The so-called good credit information is generally "not high, not much, not spending", the debt ratio should not be too high, the number of applications should not be too large, and it should not be varied. From banks to online loans, it is generally not too easy to apply again. As for why? You can try to solve this problem by yourself.
Second, let's talk about how much interest you need to pay when applying for a loan. I also talked to you before applying for a loan, which meets your personal credit conditions. For banks or lending institutions, it is a standardized product with a fixed framework, but it is a "personalized" product tailored for different applicants, so there is no specific standard answer to this question, but you need to master a basic order: from low interest to interest. Simple logic: banks have the lowest interest rate, followed by consumer finance companies, followed by private lending institutions such as small loans and p2p, and then online loans. This is a traditional logical order. As for mortgage, banks must also give priority before applying for private mortgage. If you want simple application, relaxed conditions and high interest rate, then I will send you a word "hehe" to give you a blank look and experience. Banks with low interest rates naturally need it. When you can't meet the requirements, settle for the second best. The market is a dynamic market, and the specific interests are adjusted with the changes of the market at any time, but the basic logic remains unchanged. By the way, don't covet convenience and order online loans. If you apply for a bank after a pile of online loans, you will get nothing but disgust. I hope to cherish your credit information.
Third, regarding your pressing time, can you eat hot tofu if you are impatient? Loan is a matter that needs long-term reasonable planning, and it is a process that needs to be prepared in advance, maintained in the process and summarized afterwards. Speaking of it, it is how much money you need and how much interest you can accept. Do you think banks or lending institutions are your parents? What do you want? No assets, unstable income, no social security accumulation fund records, no commercial insurance, and overdue credit information. This situation is difficult for ordinary people to accept except for low-interest and high-interest products. So it's the same sentence, "How much money do you want others to give you, you have to give yourself how much money, at least it looks worth it."
Generally speaking, we can't live without money in our daily life. We hope to add value to the extra money. We need to learn to manage wealth and distribute it reasonably. Can predict the occurrence of risks, how to hedge risks and transfer risks without losing money, and how to choose insurance; How to obtain faster and lower-cost financing, make reasonable consumption or expand business when turnover is needed, all of which need to be carried out in a planned and step-by-step manner, rather than being dealt with in an emergency when things happen, and finally become in a hurry.
This is Lao Zhong's family asset allocation course. I hope this sharing will help you, and I hope you can have a free and happy life.
I want to borrow 500,000 yuan from the bank. What loan is the most suitable?
Judging from your capital demand, it is actually more appropriate for state-owned banks to mortgage real estate, because only mortgage loans can reach the loan quota of 500,000, and other credit loan products are basically capped at 300,000.
The annual interest rate of state-owned banks' real estate mortgage loans is between 4.35% and 5.4%, and the loan amount mainly depends on the value of the real estate. Personal credit information can be handled if it is slightly flawed and not regularly overdue for a long time. The processing speed depends on the loan amount of the local housing authority and banks. Generally, the whole process can be completed in 7- 15 days. Banks and housing management departments in some areas have communicated with each other, and they can submit applications directly at banks. The mortgage of real estate can be completed on the day of loan and the credit line can be completed.
If you don't want to apply for real estate mortgage or mortgage your house, I suggest you give priority to the decoration loans provided by ICBC and CCB. The monthly interest rate is 0.35%, the maximum credit line of ICBC is 500,000, and that of CCB is 300,000. The repayment period is relatively short and the longest is 36 months!
Shops with enterprises or normal business names can choose discount loans from the Postal Savings Bank. Shops with normal business licenses can apply for an interest-free loan of 200,000 yuan after one year. This kind of products need a natural person guarantor or a civil servant guarantor, and an ordinary guarantor will increase by 654.38 million yuan, and an additional civil servant will increase by 200,000 yuan, with an upper limit of 400,000 yuan. It takes a long time to submit the loan application for review, which generally takes 654.38+05-30 working days.
When the quota is used less, you can also apply for the pure credit loan product just launched during the epidemic of Agricultural Bank of China, which is unsecured and unsecured. The monthly interest rate is 4.5%, the maximum amount is 300,000, and the longest loan period is 36 months. You only need to come to the village Committee where your household registration is located to issue a certificate. Without any assets under the user name, the amount is 654.38+10,000 yuan, and the credit line of civil servants is doubled, which can be raised to the full amount of 300,000 yuan when the commercial house is submitted.
To sum up: it needs 500 thousand. If you don't mortgage the property, choose 2-3 banks conservatively. Agricultural Bank of China's renovation loans and credit loans can meet your needs, but personally you are not advised to choose, because this will lead to higher monthly payments and centralized repayment. Whether the property is full or not, I suggest you choose the property mortgage. If the house is over five years old and you have friends in the real estate agency, you can ask your friends to help you with the transfer loan and apply for a personal housing mortgage loan. Low interest rate, long repayment time and low repayment pressure.
In this case, it is recommended that you make a portfolio loan, with low repayment pressure and high capital utilization rate. What is a portfolio loan? The answer is that more than two loan products are combined to reach the quota of 500,000. What the hell should I do?
Personal high-consumption installment loan
At present, this product is the flagship product of relatively large banks, such as the four major state-owned banks. This year, the quota is generally 500,000, and the lowest interest rate can be 2.5% per month. However, this product also has disadvantages. First, because of the low interest rate, the requirements for customers are stricter, such as the requirements for credit reporting and liabilities. Secondly, the quota, although everyone says that it can reach 500,000 yuan, after all, there will be fewer customers who approve the full amount, so the quota may not meet your requirements. In addition, this product is a repayment method of equal principal and interest, and the capital utilization rate is not very high.
Pay interest first, then principal.
At present, many banks have launched loans with interest paid first and then principal paid. The interest rate is basically above 4% per month, and the interest rate is not high. The most important thing is the high utilization rate of funds. So I suggest you consult the mortgage bank of this property to see if there are similar products.
Finally, some people may say, why not make a mortgage? The reason is very simple, because if there is no company, there is no way to make commercial loans, only consumer loans, equal principal and interest repayment methods, the monthly repayment pressure is not small, and the capital utilization rate is not high.
Hello, I have been engaged in the financial industry for many years, and I am familiar with your question. There are several similar videos on my homepage, for your reference.
First of all, there are two main types of loans, credit loans and mortgage loans.
If we don't consider the possibility of financing in the future, I suggest choosing a mortgage because the mortgage interest rate is cheap.
If there is still the possibility of financing in the future, it is not recommended to choose a mortgage. Because after the mortgage, you have less room to operate the loan and don't have so many choices.
In addition, there are two repayment methods, interest first, principal later, and equal principal and interest. Generally, when capital is mortgaged, there will only be loans for operation and consumption, and generally there will be no such repayment method.
Let's talk about the choice of interest rate first. If the interest rate is the same, we will definitely choose interest first, because the capital utilization rate is much higher. However, the general interest rate should be higher than the interest after matching the principal and interest, which depends on the monthly repayment amount that the landlord can afford.
As for the choice of banks, if there are credit loans, it is recommended to give priority to the four major banks because of the low interest rate. You can consider applying for two or three companies at the same time to ensure that you can get enough 500 thousand. According to the present situation described by the landlord, all four banks can apply, including tax loans and decoration loans.
If you choose a mortgage, it is also the four major banks, plus a rural commercial bank. The reason is also low interest. There are many options for mortgage loans, provided that your house is certified and full!
Also give some advice, because I don't know which city the landlord is in. When you go to consult a bank, you must prepare your own financial proof (tap water, real estate, etc.). ), and you must do your own credit report. Take your own credit report to consult, don't let them check. If you have time, it won't hurt to ask more questions. After reading your credit information, they can basically reply to you, whether they can approve it, how much they can approve it, and how much interest they have.
The above is purely hand-played. If you need other advice, you can trust me privately. If you accept my suggestion, you can go to the home page to watch other videos and pay less attention. Thank you.
I'm glad to answer this question. I don't know where the questioner is, because many local banks have different policies. It's best to find out first, make plans in advance and avoid unnecessary troubles. I will take some banking policies in Wuhan to answer.
First, first, mortgage. The early repayment pressure is small, the interest rate is low and the capital utilization rate is high. At present, the annualized interest rate of mortgage loans for small and micro enterprises and individuals in Wuhan is about 3.56%-6%. Specifically, I will cite three typical banks for reference.
Ping An Bank: At present, the interest rate has been reduced, with a maximum of 5.85% and a minimum of 4.35%. The advantage is that it can be used as a consumer mortgage, with a long service life, and the interest can be repaid first and then the principal can be repaid, so the early repayment pressure is small.
China CITIC Bank: It's really ten years' interest before capital, with low interest rate and loose conditions, which can be repaid as you borrow.
China Construction Bank: The advantage is that the interest rate is really low. At present, it is only for small and micro enterprises, and its life span is short.
Secondly, consumer credit loans. At present, the lowest in Wuhan is the provident fund credit loan. It doesn't matter if the provident fund is mortgaged, as long as the base and deposit amount of the provident fund meet the requirements. Specifically, I wrote an article about Wuhan Provident Fund credit loan before, and interested friends can read it. The annualized interest rate is 3%-4.6%, and the interest rate is quite low, that is, the life is not high, and the longest is only five years, with equal principal and interest. Or only one year's interest will bear interest.
Third, decoration loans. Yesterday, I just wrote an article about the renovation loan of CCB. The interest rate is about 3% per year, and the monthly interest rate is only 0.25. But it needs real decoration. If it is not a real decoration, it must be operated.
China Construction Bank has a decoration loan. Go and find out.
It's easy for you to do so. You can borrow money from any payroll bank.
There are mainly wage loans, credit loans, travel loans, decoration loans, fast loans, pledge loans, mortgage loans and so on.
The annual salary is 230,000. If all of them are paid in the form of salary, you can borrow at least 3 million yuan with interest not exceeding 6%. You can borrow it and return it with it. You don't have to pay the principal for 20 years, just pay the interest.
Wage loans can be used to buy a house and a car, and the interest on decoration loans is lower, about 3%.
In short, you can borrow whatever you want, and it belongs to Niu xpLus series. Knowing more about the creation of financial, monetary and banking data will help us to go to heaven better. bend
The monthly interest rate of decoration loan can be about 3 cm, the annual interest rate of ICBC provident fund is about 3 points, and the monthly interest rate of Shanghai Bank provident fund is 0.28.
What are the conditions for a loan of 500,000? There are six conditions.
1, aged between 18 and 60 years old;
2. China citizens with full capacity for civil conduct;
3. Having a fixed residence or permanent residence at the place where the loan bank is located;
4. Have legal and stable economic income and the ability to repay on time;
5. Personal credit is good, and there is no bad credit record on the credit report;
6. Having qualified collateral or a reputable third party as the guarantee.
Meet the above conditions, you can prepare information to apply for a loan at the bank. The materials that users need to prepare mainly include: personal ID card, household registration book (married people need to prepare marriage certificate), water and electricity bills, bank running water, payroll and other income certificates, and collateral ownership certificates. These are the conditions for a loan of 500,000 yuan.
What's the difference between credit loan and mortgage loan?
1. Different loan methods: The borrower applies for a credit loan by virtue of personal credit, without collateral, as long as it meets the requirements. Mortgage loans require borrowers to provide collateral that meets the requirements of lending institutions as collateral before applying for loans;
2. There are differences in the loan amount: credit loans are not as high as mortgage loans, because there is no collateral, and the risks borne by lending institutions are high;
3. There are differences in loan interest rates: credit loans have no collateral and financial institutions bear more risks, so the interest rate of credit loans is higher than that of mortgage loans;
4. There is a difference in the length of the review: if you apply for a mortgage loan, the lending institution will conduct a detailed analysis and review of the collateral provided by the borrower, resulting in a slow lending rate. Credit loan is to review the borrower's qualification, and the lending speed is faster.
Matters needing attention in loan
1. Proof materials required for prior consultation;
2. When filling in the application form, ensure that the personal information filled in is valid;
3. Pay attention to the repayment time and remember not to cause overdue;
4. Pay attention to check whether I meet the loan conditions.
Whether it is a credit loan or a mortgage loan, the borrower should still remember to repay the bank's arrears on time to avoid the impact of overdue on personal credit information. This article is mainly about what conditions are needed for a loan of 500,000 yuan, and the content is for reference only.