My Changzhou citizen loan application steps are as follows:
1. The borrower applies for a loan and submits relevant materials.
2. The bank conducts pre-loan review and approval.
3. The borrower signs the loan contract and related guarantee contract.
4. Implement and improve the guarantee according to the agreed conditions.
5. Loan issuance and payment.
Changzhou provident fund loan new policy 2022
Changzhou housing accumulation fund new policy has been implemented for more than a month, and has achieved initial results: the city has accepted loans of 662 million yuan, and the average amount of loans applied for has increased by 38.46%. 15 high-end talented families such as masters and doctors have applied for housing loans.
In the first month of the implementation of the New Deal, the city accepted a total of 12 19 households, amounting to 662 million yuan, 2.4 times that of the month before the adjustment of the New Deal. Among them, 187 households used housing provident fund loans for the second time, accounting for 15.34%, which was 4.27 percentage points higher than that before the implementation of the New Deal. The introduction of the New Deal has lowered the threshold for buying houses, eased the pressure of excessive down payment ratio on employees' self-housing, and given more support and encouragement to buyers.
Housing accumulation fund is a popular project to ensure people's housing needs. The housing provident fund loan in our city has strongly supported the demand for improved housing on the basis of ensuring the just-needed groups to live in peace. According to statistics, after the launch of the New Deal, the average application amount of housing provident fund loans increased from 390,000 yuan to 540,000 yuan, an increase of 38.46%. Housing provident fund loans accounted for 33% of the average transaction price, an increase of 7.7 percentage points over the month before the implementation of the New Deal. The average amount of the second housing provident fund loan application increased from 440,000 yuan to 640,000 yuan, an increase of 45%.
The new loan policy has increased the amount of housing provident fund loans by 300,000 yuan for singles and families (more than two people). Compared with the commercial housing loan with higher interest rate, the extra RMB 300,000 is calculated according to the loan annual interest rate of 4.45%, the loan term of 30 years, and the equal principal and interest repayment, which directly reduces the employee interest expense of RMB 74,000. Give full play to the positive role of housing provident fund in realizing the goal of "living and living" and promoting the healthy development of the real estate market.
After increasing the support for high-end talents such as doctors and masters under the age of 35, in the first month, 15 families of masters and doctors applied for housing provident fund loans, totaling13.2 million yuan. This move has accelerated the construction process of the talent housing project in our city, promoted the effective connection between the "youth staying in Changzhou" housing plan and the housing provident fund policy of benefiting the people, solved the housing needs of more young talents, ensured that young talents came to Changzhou and stayed in Changzhou, and made them live and work in peace and contentment, happiness and well-being.
What are the regular loan companies in Changzhou?
At present, the only formal and professional loan company in Changzhou market-Ping An Easy Loan Service Platform! Is a formal national chain loan company! There are more than 2,000 branches nationwide, serving hundreds of cities across the country! Ping an loan does not need mortgage, guarantee or pre-loan fee! Simple procedures, quick handling, professional and thoughtful service! ! ! The loan amount is between 1 10,000 and10.5 million. Lend as soon as possible on the same day!
If your online banking monthly income is more than 2,000 yuan or you have real estate in your name, formal channels can help you successfully apply for it, and support various purposes such as studying, buying a car, getting married, decorating, shopping, traveling, seeing a doctor, and sudden changes in funds. The maximum personal loan is10.5 million yuan, and the information is complete, and the account will be received within one day at the earliest.
Product features: no mortgage, flexible term, simple procedures and quick approval.
Statement: All application materials provided by this loan are copies!
★ Basic information of the applicant:
A. those who have no credit history
1. Age 2 1-55 years old.
2. Working or living in Changzhou for more than 6 months.
3. Have a stable job, with a monthly income of more than 3,000 yuan, acting as an agent for online banking or real estate under his name.
(All property rights or mortgaged houses are acceptable)
B. If you have a credit record, you have a record of (credit card, mortgage, car loan) or other loans.
1. Age 2 1-55 years old.
2. Working or living in Changzhou for more than 6 months.
3. Have a stable occupation and monthly income (the amount shown on the bank card for paying wages or monthly deposits, etc.). )
Not less than 2000 yuan; Private owners have provided public tap water for nearly six months.
★ Loan amount: 1- 1.5 million yuan.
★ Loan term: convenient and flexible, with a maximum term of 36 months.
★ Documents required for application: identity certificate, income certificate, work certificate and residence certificate.