According to the news on May 6th, China Construction Bank Shenzhen Branch issued a notice today. In order to implement the principle of "housing without speculation", promote the stable and healthy development of Shenzhen real estate market and support residents' reasonable demand for housing, Shenzhen Construction Bank adjusted the mortgage interest rate from today. The interest rate of the first home loan will be LPR45BP (equivalent to 5. 10%), and the second home loan will be LPR95BP (equivalent to 5.60%), both higher than before. In addition, in order to show support for low-and middle-income people to buy affordable housing, the loan interest rate of housing remains unchanged, that is, LPR30BP (equivalent to 4.95%) is implemented.
What is the rental loan of Shenzhen Construction Bank? How to borrow money for renting a house?
The rental loan of CCB is only available in Shenzhen Branch, but not in other branches. Therefore, I would like to give a good introduction to the users who have difficulty in buying a house in Shenzhen, and how to get a loan for renting a house, so as to help them better understand the rental loan of CCB.
The Meaning of Lease Loan of China Construction Bank
The product of CCB's rental loan is called mortgage, which means rental loan in plain English. For customers who like quality rental and have money but don't want to buy a house, this group of people should be the main loan targets of CCB rental loans.
How to apply for a rental loan from CCB?
Application conditions:
1, at least 22 years old
2. A lease agreement has been signed with the lessor, and a lump-sum rent payment method has been chosen, and a lease deposit has been paid.
3. Have stable income, good capital transfer ability and good personal credit qualification.
4. There is a record of paying provident fund or social security in Shenzhen for three consecutive months, and foreigners need to have residence certificates for more than half a year.
5. It has a good credit record and is not on CCB's bad credit blacklist.
6. Too many inquiries (credit card approval inquiries ≥5 or loan approval credit card approval inquiries ≥8) make it impossible to apply for a credit report.
Credit conditions:
1. The AUM value of CCB in recent three months is more than 50,000 yuan.
2. The mortgage that CCB normally repays for more than one year.
The average salary of CCB is more than 5000.
4. In the quick loan white list of CCB.
5, CCB recognized the list of high-quality units, pay the provident fund or social security base of more than 3000 yuan.
6. Pay more than 5,000 yuan for provident fund or social security (only one of 6 and 7 is required).
Loan amount:
The maximum amount is 6,543,800 yuan.
Loan term:
The longest term is 65,438+00 years, and the term of a single loan is no more than 3 years. The longest disbursement period of the principal and interest of the lease loan repaid by the guarantee method or the leasing operation company shall not exceed 5 years.
Loan interest rate:
1 year loan daily interest rate 1.2 1, annualized interest rate of 3.63%; The daily interest rate of 1-3-year loan is 1.43, and the annualized interest rate is 3.96%, which is lower than the mortgage in the same period.
Summary: Generally speaking, the loan interest rate of this product is low and the loan amount is relatively high, but the requirements for the lender are also high. At the same time, due to the need to pay all the rent in one lump sum, lenders who frequently change jobs may have to stay in one place for at least one year or more. But as a pure credit loan, this product will undoubtedly set off a rental boom, let us wait and see!
Shenzhen provident fund loan construction bank address and telephone number 20 17
You can handle the provident fund business online or offline. Many citizens who are not familiar with online operation can also go directly to the bank with relevant certificates to sort out the network addresses and telephone numbers of various urban areas of Shenzhen Construction Bank. You can handle account opening, payment, inquiry, modification and other related businesses.
Address and telephone number of Luohu Branch of China Construction Bank
255405 12, Floor 1, Tianjing Garden, No.2103, Huang Bei Road, Luohu District, Bibo Branch
25575775 Baoan Road Sub-branch, Floor 1, Xihu Garden, Baoan South Road, Luohu District
82288 14, Floor 1, China Construction Bank, No.2028 Jianshe Road, Luohu District, Shenzhen
Heping Road Sub-branch 109 1 1/F, Shenzhen Customs Culture Building, 25595568
Second Floor, Luohu Commercial City, Renmin South Road, Shenzhen Luohu Commercial City Sub-branch1043,82324790
Floor 1, Joy City, Taining Road, Luohu District, Shenzhen/22360 170, Donghu Sub-branch, No.37
8248835 1 Floor 1, China Construction Bank Building, Hongling South Road Financial Center, Binhe Sub-branch
2589 1040, Jiabin Road Sub-branch, 65438th Floor, Jinwei Building, No.4053 Jiabin Road, Luohu District
82303794, Floor 1, Hongchang Plaza, No.2001Shennan East Road, Huang Beiling Branch
Floor 1, China Construction Bank Building, Li Antang Industrial Zone, No.3040 Luosha Road, Li Antang Branch, 25738424.
25668485, Floor 1, Lihai Building, Jinwen Middle Road, Fenghuang Branch
2560485 1
82389927, Floor 1, Hua Douyuan Building, No.3002 Dongmen South Road, Chengdong Sub-branch
Address and telephone number of Futian Branch of China Construction Bank
83844043, Floor 1, Shi Jia, Fumin Road, Yimin Branch, China Construction Bank
830750 17, Floor 1, Xiangmingyuan, No.21Jing Tian North Street, Jing Tian Branch
Lianhua Building, No.5004, Lihong West Road, Lianhuashan Sub-branch, 8320 1755
Business Department, Floor 1, Building B, Rong Chao Business Center, No.6003 Yitian Road, 23828832
Floor 1, Fuchangyuan, Jiuzhe Street, Xinzhou, Shenzhen Railway Sub-bureau 83305703
8293 1 124, Floor 1, International Chamber of Commerce Building, Hua Fu 1st Road, China Construction Bank.
8355628 1 shop, 1st floor, China Travel International Building Phase II, Nongyuan Road, China Travel Service Building Branch
Floor 23989383, Zhuo Yue Times Square West/KLOC-0, No.4068 Yitian Road, Zhonghuan Sub-branch
23997586, Floor 1, West Side of Greater China Trading Plaza, Jintian Road, Futian Sub-branch
837608 18, Floor 1, Futian Building, Shennan Middle Road, Shangbu Branch
82 13628 1 Floor 1, Wande Building, Shennan Middle Road Branch
8359 12 17, Floor 1, Shenfubao Building, No.8 Ronghua Road, Futian Free Trade Zone Sub-branch.
83786030, Floor 1, Design Building, No.8 Zhenhua Road, Zhenhua Branch
Jingyuan Sub-branch, Block C, Ground Floor, Hezheng Mingyuan, News Road 83732 14 1.
23934827, Floor 1, Land and Real Estate Transaction Building, No.8007, Lihong West Road, Xiangmihu Branch
Floor 83862300, Building 304, Tairan Industrial Zone, Tairan 4th Road, Tairan Branch
Building 2, Fulian Building, Lianhua North Village, Tian Yu Road, Lianhua North Branch 1 Building 82850 175
82095030, Floor 1, Li Yin Building,No. Li Hong Road 100 1, Housing Urban Construction Sub-branch
Address and telephone number of Nanshan Branch of China Construction Bank
86672522, Floor 1, Xinde Home, Xuefu Road, Qianhai Branch
Building 2, Nanguo Licheng Garden, Xili Street, Xili Sub-bureau 1333-3986 155075
Floor 1, Times Jiaozi Building, Nanshan Avenue Sub-branch 26567006
26086267, Floor 2, China Construction Bank, Block C, Tian Li Mingcheng Central Plaza, Wenxinsi Road, Nanshan Sub-branch
26826276, Floor 1, Seaview Plaza, Taizi Road 18, Shekou Sub-branch
86627 1 55, Floor 1, Financial Base, No.8 Kefa Road, Science Park, Keyuan Branch
86079257, Building 3, China Science and Technology Development Research Institute, Gaoxin Nanyi Road Gaoxin Park Branch
Floor 1, Xihaiwan Garden, Chuangye Road, Shenzhen Nanyou Sub-branch 1 No.26091771
1st Floor, Hubin Garden, No.22 Xinglong Street, OCT Sub-branch, 26922082
Address and telephone number of Baoan Sub-branch of China Construction Bank
D 1—0 1ANo。 276 14068, Floor 1, Hongfa Tiandi, Baoshi South Road, Shiyan Branch
Floor 1, Jixin Building, No.80-8 Lougang Avenue, Songgang Street, Lougang Sub-branch, 27082772
Floor 1, Block B, Chuangye No.1 Comprehensive Building, Xincheng Sub-branch, Baoan District 46, 27886744
Floor 1, Xin 'an New Shoreline, South Shenye, Xin 'an Avenue, Xin 'an Street, Xin 'an Branch 29789075
29649320 Baoan Sub-branch, No.68 Jian 'an 1st Road, Baoan District
2739 1605 Fuyong Sub-branch, No.309 Fuyong Avenue, Fuyong Street
No.4, Song Ming Avenue, Songgang Town, Songgang Sub-branch, Shenzhen, 27908.
Shenzhen Airport Branch Bao 'an Airport Airport Road 1003 South 27775723
27867299, Floor 1, Yahaoxuan, Baoan District 34, Chuangye Branch
Xinfeng Hotel, Xinsha Road, Shajing Street, Shajing Sub-branch 1 Floor 27288549
Address and telephone number of Longgang Sub-branch of China Construction Bank
No.571Ji Hua Road, Bantian Street, Bantian Sub-branch 28896822
Ssangyong Sub-branch long gang zhen Longgang Road 10 1A84800672 Dongsen Building.
896 122 16 Longxing Sub-branch, Floor 1, Building 3, Jiuzhou Jiayuan, Long Yuan Road, long gang zhen
28452 122, Floor 1, Shenhuaye Building, Shuangyong Street, Pinghu Street, Pinghu Branch
Nanling Sub-branch, No.3 Fang Kai Street, Buji Nanling Village, Nanling Construction Bank, 2870022 1
Floor 28582435, Building 2, Xinyi Yi Cuiyuan, Buji Street, Luogang Branch
28949 189, Floor 1, Longcheng International Building, Long Fu West Road, Longgang Branch
332820 10, the first floor of Cheng Xinhuating, next to Buji Sub-branch.
289 1 1948, Floor 1, Jianshe Building, Longcheng Sub-branch, Longgang Central City
84 179786, Unity Building, No.2 Jin Peng Road, Buji Town, Buji Street, Buji Sub-branch, Shenzhen
Henggang Sub-branch Xinyi fairview park Building 6 1 Building 28240873
Address and telephone number of Yantian Branch of China Construction Bank
2555 1542, Floor 1, Haidu Garden, Shen Yan Road, Yantian Branch
Shatoujiao Sub-branch, No.95 Finance Road, Shatoujiao, 25502 15
Address and telephone number of Longhua Branch of China Construction Bank
28082 134, Floor 1 and Floor 2, Guanlan Business Building, Dahe Road, guanlan street, Guanlan Sub-branch.
28 12039 1 Baolong Building, Renmin Road, Longhua Town, Longhua Sub-branch
Address and telephone number of Pingshan Branch of China Construction Bank
Kengzi Branch Kengzi Office No.789 Renmin West Road 89372329
No.5 Jinshan Road, Pingshan Street, Daye Branch 28828978
0755-84649228, Floor 1, Management Committee Building, Pingshan New District, Pingshan Sub-branch
Address and telephone number of Guangming Branch of China Construction Bank
Building 4, Binheyuan, Guangming Avenue, Guangming New Area Branch 1 Building 57405999
Gong Ming Branch Gong Ming Street Jianshe Building 1 Floor 27734266
Address and telephone number of Dapeng Branch of China Construction Bank
843 12928, No.8 Jiaoyu Road, Dapeng Street, Dapeng Sub-branch
Shenzhen Construction Bank 202 1 loan lending speed
The mortgage loan of Shenzhen Construction Bank is very fast, which basically takes one working day.
I. Loans
The personal loan manager of CCB, a big mortgage business, said, "The quota is tight and the policy will change every day. It may not be released today, but tomorrow. I don't know when it will be released. Generally, it needs more than 1 month, but it does not promise to lend money. " Agricultural Bank revealed that the quota is tight and many people who have passed the audit have not yet lent money. A senior mortgagor of Leyou said that the loan was basically applied at around 10. Students from Minsheng Bank said that there is basically no quota at present, and they did not say when it will be available. They can only wait for the notice quietly, completely unsure. After New Year's Day, the central bank will probably approve the new quota, but there is no guarantee. China Merchants Bank also said that there is no quota now and it will wait until next year.
Second, the loan time.
Confirm the approximate loan time with the bank in advance, and extend the supervision time of the down payment for more than one month when signing the contract, or obtain the seller's written consent to purchase the property within X working days after receiving the house payment. Maintenance of credit information: reduce loan applications and repay loans approved by banks on time, mainly by examining and approving credit information and repayment ability. It is recommended to master your own credit information and reduce loan applications. Loans (car loans, credit cards, etc.). What has happened must be repaid on time.
Housing loan, also known as housing mortgage loan, is an application form for housing mortgage loan filled out by buyers to the loan bank, and provides supporting documents required by legal documents such as ID card, income certificate, housing sales contract and guarantee. The lending bank passed the examination.
1, house purchase commitment
Promise loans to buyers, and handle real estate mortgage registration and notarization according to the house sales contract provided by buyers and the mortgage loan contract concluded between banks and buyers. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract. The longest loan term of loan introduction loan shall not exceed 30 years, and the second-hand housing provident fund loan shall not exceed 15 years; The loan amount is 70% of the appraised value of the house; The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China, and the benchmark annual interest rate shall change according to the loan term. The following is the latest loan interest rate table of 20 13 (the interest rates of banks have risen according to the housing situation).
2. Loan application materials
The borrower's valid identity card and household registration book; Proof of marital status, unmarried people need to provide proof of unmarried, and divorced people need to issue a civil mediation or divorce certificate (indicating that they have not remarried after divorce); If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; The borrower's income certificate (salary income certificate or tax payment certificate for half a year in a row); Certificate of real estate ownership; Guarantor (ID card, household registration book, marriage certificate, etc.). Is required)
What are the loan terms of Shenzhen Construction Bank?
The loan conditions of Shenzhen Construction Bank are:
1, aged between 18 and 65 years old, with full capacity for civil conduct;
2. Have a fixed address;
3. Have a stable source of income and work;
4. Being able to provide effective guarantee;
5. Have good credit.
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A million dollars is too far, but it can raise 50%.
The loan conditions of Shenzhen Construction Bank are:
1, with legal work and stable income;
2, can provide a guarantee approved by the Construction Bank;
3. There is a clear loan purpose;
4. The age is between 18 and 65 years old;
5. Good credit.