Good commercial loan is a loan business of Xinwang Bank, mainly for small and medium-sized Wechat business with normal operation 1 year or more. Users who want to apply for a good commercial loan from Wangxin Bank need to meet the conditions that they have not been overdue for 2 months or more in the past 12 months and 4 months or more in the past 24 months. Moreover, the applicant must be between 25 and 60 years old and the enterprise has a business license.
"Good Enterprise E-loan" is an operating loan product created by Wang Xin Bank for small and medium-sized enterprises, which provides qualified borrowers with working capital loans for production and operation. This product reaches customers through the mobile terminal, carries out cross-validation and risk management based on customer tax bill data and risk model, and the whole bank automatically handles business activities such as loan application, credit approval, contract signing, loan issuance and post-loan management.
Second, which bank is better for commercial loans?
Commercial housing loans, CCB's home purchase loans. If it is a new house and has a provident fund, you can go to the provident fund center for a loan, because the interest rate will be cheaper than the bank. In bank loans, only when the developer has signed an agreement with the bank can the new house be loaned.
3. Which bank has a low interest rate for buying commercial loans?
The loan interest of CCB is low, regular and safe. The loan interest rate of China Construction Bank is as follows:1; Short-term loans: 4.35% within six months (inclusive) and 4.35% from six months to one year (inclusive). 2. Medium and long-term loans: 4.75% for one to three years (including three years), 4.75% for three to five years (including five years) and 4.90% for more than five years. 3. Personal housing provident fund loans: 2.75% for less than five years (including five years) and 3.25% for more than five years. China Construction Bank was established in June 1954 and June 65438+ 10/. Is a joint-stock commercial bank, one of the top five state-owned commercial banks. Its safety and regularity are beyond doubt. There are mainly the following types of loans to buy a house: 1. Housing provident fund loans: For residents who have already paid housing provident fund, low-interest housing provident fund loans should be preferred when buying a house. Housing provident fund loans have the nature of policy subsidies, and the loan interest rate is very low, which is not only lower than the loan interest rate of commercial banks in the same period (only half of the mortgage interest rate of commercial banks), but also lower than the deposit interest rate of commercial banks in the same period. In other words, there is a spread between the mortgage interest rate of the housing provident fund and the bank deposit interest rate. At the same time, when handling mortgage and insurance related procedures, the housing provident fund loan will be charged by half. 2. Personal housing commercial loans: The above two loan methods are limited to employees who have paid the housing provident fund, and there are many restrictions. Therefore, people who have not paid the housing provident fund have no chance to apply for loans, but they can apply for personal housing secured loans from commercial banks, that is, bank mortgage loans. As long as your balance in the loan bank accounts for not less than 30% of the funds needed for house purchase, and it is used as the down payment, and the assets recognized by the loan bank are used as collateral or pledge, or the units or individuals with sufficient compensation ability are used as guarantors to repay the loan principal and interest and bear joint liability, then you can apply for using the bank mortgage loan. 3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans. This business can be handled by the real estate credit department of the bank. The interest rate of portfolio loan is moderate, and the loan amount is large, which is more for the lender to choose. According to the general mortgage repayment method, there are two calculation formulas: one is the calculation formula of equal principal and interest: calculation principle: the bank charges the interest of the remaining principal first, and then collects the principal from the monthly contribution; The proportion of interest in monthly payment will decrease with the decrease of residual principal, and the proportion of principal in monthly payment will increase with the increase, but the total monthly payment will remain unchanged. It should be noted that: 1, the maximum amount of urban provident fund loans should be combined with local conditions; 2. For residents who have borrowed money to buy a house but whose per capita area is lower than the local average, and then apply for buying a second set of ordinary self-occupied housing, the preferential policies for buying ordinary self-occupied housing with the first set of loans shall be implemented mutatis mutandis. 2. Calculation formula of average capital: monthly repayment amount = monthly principal = monthly principal/repayment months = monthly principal and interest = (principal-accumulated repayment amount) x monthly interest rate calculation principle: the amount of principal returned every month remains unchanged, and the interest will decrease with the decrease of remaining principal.
4. Which bank is the best to buy the first home loan?
Housing loans, banks, such as China Jian Dan Dust Bank, China Industrial and Commercial Bank and China Agricultural Bank, have a longer history and more professional management, which will provide better services for lenders. At the same time, when choosing fees and interest, in order to be able to choose an affordable loan plan.