Personal business loan conditions are as follows:

The applicant is a China citizen with full capacity for civil conduct and holds a valid identity document;

The applicant's own funds are not less than 30% of the total purchase price, and are guaranteed to be used to pay the down payment for the purchase;

The applicant has a stable job and income and can repay the loan principal and interest on time;

The applicant can provide a valid mortgage certificate recognized by the loan bank;

The applicant has signed a valid purchase contract or agreement with the developer;

Other conditions required by the lending bank.

Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans.

Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same.

Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.

Application conditions

When applying for loans, Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of residence in Beijing, overseas and foreign citizens must meet the following conditions:

Have legal residence status;

Have a stable occupation and income;

Having the ability to repay the loan principal and interest on schedule;

There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions as their guarantees;

There is a contract or agreement for the purchase of housing;

When applying for a loan, there is no less than 30% deposit in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required;

Other conditions stipulated by the lending bank.

Required materials

The borrower shall fill in the Application Form for Individual Housing Loan in China Construction Bank or the agency of the developer who signed the Cooperation Agreement with China Construction Bank, and provide the following materials:

My household registration book, ID card or other valid proof of residence;

Proof of occupation and income;

Purchase contract or letter of intent and other relevant certification materials;

Proof of down payment accounting for 30% of the house price;

Other materials required by the agency of China Construction Bank.

operation sequence/order

The borrower signs a house purchase contract with the developer and pays 30% of the house purchase price;

Submit relevant materials to the law firm for review;

After receiving the legal opinion issued by the law firm, the bank signs a loan contract, mortgage contract and guarantee contract with the purchaser;

Handle mortgage registration and notarization of home insurance and the contract according to relevant information, and issue loans.

The borrower repays the loan by equal repayment. For the outstanding loan principal, the borrower can repay it in one lump sum, and interest will still be charged in the current period of prepayment. No fines will be charged.

What conditions do commercial banks need for loans?

Loan terms:

1, working in this unit for more than 3 months (after probation).

2. Pre-tax income of monthly salary is more than 5,000 (if you have applied for a credit card in the bank and have a bank credit record, you can relax it to more than 3,000). Generally speaking, if you meet the above conditions, the amount you can borrow is 6-65,438+00 times your monthly salary.

The salary will be paid by the bank in the form of punching, not in cash.

4. Issue the salary list printed by the salary bank and the work certificate of the employer.

bank loan

It refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

What is the limit of commercial loan?

Because the loan banks are different, the loan amount is also different. According to the risk control standard of the loan company, the amount of commercial loans cannot exceed 70% of the value of real estate assessment, and 70% only meets the risk control standard, which does not represent the final mortgage rate. Commercial loans generally include personal housing loans and commercial loans. Different types of commercial loans have different amounts.

First-hand personal housing loan amount: if the first-hand personal housing loan amount is mortgaged by the purchased commodity housing or other commodity housing, the mortgage rate shall not exceed 80% at the highest. To apply for personal self-built housing loans, the mortgage rate shall not exceed 70%.

Commercial loan amount: the maximum amount of personal commercial loan can reach 3 million yuan.

Where pledge guarantee is adopted, the pledge rate shall be implemented in accordance with the relevant regulations of the loan bank, and the loan bank will review the amount applied by the borrower according to the specific circumstances, and the borrower needs to take the actual loan amount as the standard.

Agricultural Bank of China provides family farm loans to farmers with a maximum loan amount of100000 yuan. With family farms, borrowers who need loans can go to the Agricultural Bank of China to handle specific loan matters. The loan amount of each lending bank is different and cannot be generalized.

The limit of commercial loans is only a reference value, and few commercial loans can really reach the limit.

Commercial loan conditions

Commercial loan conditions

Commercial loan terms: 1. Beijing urban residents with full capacity for civil conduct, nonlocal residents with the right of abode in Beijing, overseas and foreign citizens must meet the following conditions when applying for loans: 2. Have legal residence status; 3. Have a stable occupation and income; 4. Have the ability to repay the loan principal and interest on schedule; 5. There are assets recognized by the loan bank for mortgage or pledge, or (and) there are guarantors who meet the prescribed conditions for their guarantee; 6. There is a contract or agreement for the purchase of housing; 7. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the house payment has been paid in advance to the selling unit, the original and photocopy of the payment receipt are required; 8. Other conditions stipulated by the lending bank. Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Materials required for loan:

My household registration book, ID card or other valid proof of residence; Proof of occupation and income; House purchase contract or letter of intent, proof of down payment accounting for 30% of the house price and other relevant supporting materials; Other materials required by the agency of China Construction Bank.

Loan procedures: 1. The handling agency of CCB or the law firm (or notary office) entrusted by CCB will investigate the information provided by the borrower. 2. The CCB agency examines and approves the borrower's application. 3. The borrower opens an account, obtains a savings card and signs a loan contract. 4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures. 5. The loan contract takes effect and the funds are transferred to the developer's account.

20 16 commercial loan terms

Conditions for applying for loan business:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

Commercial loan conditions of China Construction Bank and Minsheng Bank.

Conditions for applying for loan business:

Natural persons aged between 18 and 65;

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.

What are the commercial loan conditions in Suzhou?

Welcome to apply for a loan from China Merchants Bank. If you apply for a personal loan from China Merchants Bank, you need to have a local China Merchants Bank. The application requirements and conditions of loan types are different. Please provide the loan purpose, and we will further help you verify whether there is a loan suitable for you.

Conditions of Shenzhen Commercial Loan to Provident Fund Loan

Commercial loans applied for by China Merchants Bank in Shenzhen currently support the transfer to provident fund loans. The conditions for applying for commercial loans to provident fund loans are as follows:

1. If the applicant or spouse purchases self-occupied housing within the administrative area of Shenzhen, they should have applied for commercial housing mortgage loan (excluding housing provident fund portfolio loan) in Shenzhen, and the loan has not been settled;

2. The applicant and the * * * who participated in the calculation of the loanable amount of provident fund loans have paid the housing provident fund in full and on time for 6 months in this city before the month of application, and the application is in a normal state;

3. The applicant, * * and the applicant have no housing provident fund loans or have paid off the housing provident fund loans in this city; If both or one of the applicant's parents is the same applicant, both parents have no housing provident fund loan or have paid off the housing provident fund loan in this city;

4. The applicant's application for early repayment of part or all of the original commercial housing mortgage loan has been approved by the original commercial housing mortgage loan bank;

5. The applicant or spouse is the right holder of the applicant's housing loan;

6. The applicant and the * * * who participated in the calculation of the loanable amount of the enterprise loan are consistent with the applicant, have the ability to repay the principal and interest of the loan, have no loans overdue records in the first six months of the month of application, and meet the credit status standards stipulated by the provident fund center;

7. The applicant agrees to provide a guarantee (mortgage or pledge) that conforms to the Interim Provisions of Shenzhen Municipality on Transferring Commercial Housing Mortgage Loan to Housing Provident Fund Loan (hereinafter referred to as the Provisions on Transferring Commercial Housing Mortgage Loan to Public Loan);

8. The loan application meets the requirements of national, provincial and municipal real estate market management policies. In case of policy adjustment in the process of loan handling, the time when the provident fund center accepts the loan application to the public shall prevail, but the national, provincial and municipal real estate market management policies have been clearly stipulated.

Have the loan conditions from commercial loans to provident fund improved?

For commercial loans handled by China Merchants Bank, China Merchants Bank in some cities supports the business of transferring commercial loans to provident fund loans. Please dial 95555 at 8:30- 18:00, select "2 manual services-"1"personal banking-"4 "personal loan business, and enter the city providing manual services for loan verification.

Conditions of Chongqing Commercial Loan to Provident Fund Loan

Commercial loans can never be converted into provident fund loans, only provident fund loans can be converted into commercial loans.

Shanghai commercial loan conditions

I'm from Beijing, but I think it's almost the same. Since no one gives you advice, let me talk about Beijing. If it is the first loan, the down payment is 30% and the interest rate is 8.5%. You need a husband and wife ID card, a household registration book and a marriage certificate. You should also need a temporary residence permit. Your income certificate, a copy of your business license, and a red stamp on your bank account. Listen, not every bank needs to provide proof of your education and some assets. But I think you'd better borrow less.