1. Which loans can be brought by Qinghai Pudong Development Bank’s loan conditions?

Pudong Development Bank’s loan conditions and procedures:

The basic conditions for applying for a loan from Pudong Development Bank include the following parts:

Be over 18 years old and have full civil capacity, and the loan maturity date shall not exceed 70 years old;

Have a permanent urban residence or valid residence status in the location of the loan bank;

Have legal and stable economic income, good credit, and the ability to repay the principal and interest of the loan;

Have signed a contract or agreement to purchase a house, and paid a down payment of no less than 20% of the total house price. loan, and the down payment ratio is not lower than the requirements of the local regulatory authorities of the lending bank;

Can provide a guarantee recognized by the lender.

Required information:

Valid identity document and household registration certificate, marriage status certificate, personal income certificate;

Corresponding information or documents to confirm consumption behavior (Sales contract, agreement or other valid documents);

Down payment invoice or receipt;

Loan application form (you can obtain it from our bank branch near you);

Other materials required by the bank.

Loan amount:

The loan repayment amount for a house with a built-up area of ??less than 90 square meters shall not exceed 80% of the value of the purchased house, and the loan amount for a house with a built-up area of ??more than 90 square meters It does not exceed 70% of the value of the house purchased and meets the requirements and standards of the local regulatory authorities of the lending bank.

Loan term:

The longest term for a first-hand house shall not exceed 30 years; the sum of the loan term and age of a second-hand house shall generally not exceed 30 years.

Application process:

Submit an application - bank approval - sign the contract - complete the procedures (notarization, mortgage, etc.) - loan issuance - customer repayment.

2. What banks are there in Qinghai?

Qinghai has four traditional major banks: China Construction Bank, Agricultural Bank of China, Industrial and Commercial Bank of China, and Bank of China. There are also Bank of Communications, Shanghai Pudong Development Bank, Industrial Bank, and Postal Savings Bank of China.

There is also a branch of the People's Bank of China. This bank probably does not provide savings and other services. It mainly provides credit information for those who need loans. There is also a local bank in Qinghai, Bank of Qinghai, which is now developing. good. There is also a Xining Rural Commercial Bank.

That’s probably it!

3. Can a Shanghai Pudong Development Bank loan be converted into a provident fund loan?

Commercial loans can be converted into provident fund loans, but the following conditions must be met:

1. The borrower is in a deposit status when applying for a provident fund loan;

2. The applicant or *** and the applicant must have paid housing provident fund for more than one month;

3. The applicant has stable economic income and the ability to repay the loan;

4. Applicant form;

5. The applicant and the applicant’s spouse include no unpaid loans or other debts except for the loan applied for transfer to provident fund;

6. The "House Notice Registration Certificate" for converting commercial loans into public reserves has been issued and can be completed

7. The normal repayment period for commercial loans includes more than 10 years and no overdue repayment records;

8. Portfolio loans cannot be converted from commercial loans

9. Commercial loans can be converted into provident fund loans only by pure provident fund loans;

4. Shanghai Pudong Development Bank loan conditions and procedures

Personal loan conditions of Shanghai Pudong Development Bank:

1Be between 25 and 50 years old

2Legal citizens with full civil conduct

3Have good Personal credit record

4 Have a stable job and optimistic income, ensuring the ability to repay the principal and interest on time after the loan

5 Have a Shanghai Pudong Development Bank account (mainly used for Repayment at a later date)

6 Other conditions proposed by the bank

Documents required for personal loans from Shanghai Pudong Development Bank:

1 Applicant’s ID card and household register Original and copy

2 Marriage certificate (if you are unmarried, you need to provide proof of singleness, and if you are divorced, you need to provide proof that you have not remarried after divorce)

3. Proof of fixed residence (provide water and water) Electricity bill payment slips are acceptable)

4 Proof of employment (labor contract of the unit)

5 Proof of income (bank statements for the past three months or income certificate issued by the company)

6 Other requirements provided by the bank

After preparing the information, you can go to the bank to apply for loan requirements. When applying for a loan, you also need to fill in a loan application form. Pay attention to the The information must be realistic. If there are exaggerations or falsehoods and are discovered by the bank, you will easily get nothing, and all the previous efforts will be in vain.

You can submit it after ensuring that the information is confirmed. After submitting the application, the bank will enter a verification process. The borrower only needs to wait for the notification from the staff of Shanghai Pudong Development Bank. After the loan is approved Later, the bank will contact you to sign a loan contract.

After the loan contract is signed, the bank will transfer the loan funds to your reserved Shanghai Pudong Development Bank card. After obtaining the loan funds, the borrower must remember to return the principal and interest to the bank as stipulated in the contract.