This is not easy to do.

According to the feedback from many practitioners, the introduction of the new mortgage policy was prepared by the state to crack down on some real estate speculators. While lowering the LPR interest rate, we urge income punishment through soft violence. These related policies are all aimed at better controlling the loan industry. 202 1, the loan industry is not as good as before.

The real estate market of 202 1 highlights a "turbulence". With the implementation of the new mortgage policy and the reduction of LPR interest rate, many users said that it was much more difficult to apply for a mortgage at 202 1.

Because the new mortgage policy clearly defines the proportion of mortgage loans of major banks, 202 1, the mortgage loans of many banks are more tense than before, especially in first-tier cities. Therefore, 202 1 applying for a mortgage, whether it is the threshold for applying for a loan or the speed of lending, is indeed much more difficult than before.

The amount of bank mortgage is tight, but the number of people applying for mortgage is more and more year by year. Under such great pressure, banks can only raise the threshold for applying for loans to screen better customers, which is an inevitable trend. After 20021April, many banks even announced the suspension of second-hand housing loan business, and more than four banks in Guangzhou have announced it.

From the feedback of users who applied for loans, in addition to the difficulty in applying for loans, mortgage became particularly difficult in 20021year. Take the four behaviors of Guangzhou and Shenzhen as examples. After the previous mortgage loan was approved, users waited for about 65,438+0 months to receive the loan. 202 1 when applying for a mortgage, it takes about 2-3 months to receive the loan.

Property certificate, mortgage bank materials?

1, existing house mortgage. Real estate mortgage contract (signed by both husband and wife on site); Housing ownership certificate; Copy of land use right certificate (original inspection); A real estate appraisal report issued by a qualified appraisal agency; Bank loan contract; Proof of the relationship between husband and wife and a copy of the identity cards of both parties (original inspection), and a certificate issued by the civil affairs department where the household registration is located for singles. 2. Faster mortgage. Pre-sale contract for house purchase; Signing a house purchase loan contract with the bank; Copy of advance payment receipt for house purchase (original inspection); Copy of marriage certificate of husband and wife (original inspection), certificate issued by the civil affairs department where the household registration is located.

Do financial loans really make money?

Financial loan is indeed a very profitable project and has become an industrial chain. Financial loans are helpful to the real economy, but the excessive development of the financial industry does have certain damage to the real economy.

China's financial market has developed for more than 30 years, and financial loans have played a very important role in China's real industry. The real economy of our country can achieve the development of the existing economy, largely because of the support of financial loans to the design industry.

The financial industry should not be over-developed.

The financial industry is certainly helpful to China's real economy, but it should not be over-developed, because over-development will lead to more talents flowing to China's financial sector. Financial lending companies can make a lot of money by lending in large quantities, so they can recruit more talents.

The financial industry must serve the real economy.

Our country has been positioning the financial industry for a long time. The financial industry in our country must serve the real economy, and the development of the real economy can become the foundation of the country. Many policies in our country are also formulated for the real industry, and the three major monetary policy tools have also been adjusted to promote the real economy.

Wages in the financial industry are relatively high.

As we all know, the wages in the financial industry are relatively high. The salary in the financial industry can reach about 20,000 per month, and it may reach about 40,000 to 50,000 in some big companies. It is precisely because of this high salary that many outstanding talents will be attracted to join financial loan companies.

In fact, many people are basically inclined to the financial industry when choosing a major in a university, because the financial industry is very promising, in order to earn more wages. The financial industry needs a certain threshold. China's financial industry mainly serves the real economy.

Reveal a few things you don't know about the financial loan industry.

Loans are now more and more accepted by people, such as buying a house, a car and home appliances. But in the past, ordinary people were far away. First, it destroyed the image of the whole industry, and caused distrust and fear. I always feel that there is a set inside, so don't delve into it; Secondly, like selling insurance, loan business personnel are occasionally disturbed by a few spam messages and phone calls. These are not ways to increase people's goodwill.

In order to let everyone have a more correct understanding of loans, when there is a loan demand in the future, as a financial fire baby of Hon Hai 'er, she specially arranged several points for everyone to popularize.

1. Is the loan threshold really low? Borrow it if you want?

At present, there are many advertisements for loans outside, and the interest is as low as 2%. But can I borrow money if I really borrow it? Any institution, whether it is a regular bank or a private bank, must first meet the basic requirements. You must have a job with stable income and good personal credit, and then see if you have financial services such as real estate and vehicles, so as to match the corresponding loan products, such as common real estate mortgage loans, vehicle mortgage loans and personal credit loans. And the bank will not lend money until it is audited.

Remember, there must be no overdue repayment, because it will have many adverse effects on future loans.

2. the loan is not just because there is no money.

Many people think that only when there is no money will they consider loans when they are desperate. But in fact, the richer people are, the more loans they have. It's not that online netizens joked that "the more you owe, the more capable you are". They have a broader vision and earn more money through loan investment.

3. If you have a house and a car, you can definitely get a loan?

It's not easy to get a loan with something mortgaged. How can you not get a loan? This is the first thought of most people. But you forget that if your credit history is poor and you often have overdue records, the lending institution may not want to. Garage is only one aspect, which will improve the success rate, but it is not 100% guaranteed.

4. Lending institutions are polite in borrowing money and violent in dunning?

Lending institutions are not like friends or friends. Overdue loans will affect your credit history and generate a large additional fine. Non-governmental organizations or small platforms have a supply chain collection system when they are overdue, which will disrupt your life in all directions and may even destroy a person. So, remember to do it according to your ability. Of course, if you owe money, you won't pay it back. It is not only for your own benefit to urge you on the premise of legality and rationality. I hope you pay attention to your credit history.

5. There are various loan procedures, which have legal effect.

Usually, people will borrow money from relatives and friends when they are in trouble. You may get the money just by saying a word, and you don't even have to write an IOU. That's because of trust and goodwill. But banks are different from platform institutions. They have nothing to do with you, just look at the materials you provide. No verbal commitment can be trusted. You can only produce real materials, such as ID cards and real estate licenses.

Honghaier Finance reminds PS. When signing a loan contract, you must carefully check the contents of the contract!

6. Is there a handling fee for applying for a loan?

Not every loan is formal, and scammers and black hands are often hidden in the industry. Some organizations will charge you an application fee in advance. At this time, you should be vigilant. You'd better turn around and leave. Because as long as it is a normal institution, it will not charge you any fees.

Can industrial consumption finance loans be used? Introduction of small loan under the name!

Now, consumer finance companies have become the new favorite of the financial industry, and are very concerned by borrowers. Some people are very interested in Xingye consumer finance, so they ask Xingye whether the consumer finance loan is good. Today, I will introduce the industrial consumption finance loan in detail.

Here is an introduction to the formality of Xingye's consumer finance and the loan products under its name. Details are as follows:

Normal degree

Formally, Industrial Consumer Finance is not only licensed by the state, but also backed by Industrial Bank. Therefore, industrial consumer finance is still relatively secure in terms of formality.

Dai Xiao Qixia

The loan products under the name of Xingye Consumer Finance include: empty-handed, family consumption loan time and educational treasure.

1, empty-handed is a small loan that everyone can apply for with credit. Up to 200,000 yuan, no mortgage or guarantee is needed, and the loan can be released as soon as 1 day.

2. Family consumption loan is a loan product specially used for family daily consumption. The service life is as long as 36 months. As soon as you lend money on the same day, you need to apply at the store or on the self-service loan machine.

3. Snow Baby is a loan product provided by Xingye Consumer Finance for students. Loans are mainly used to pay tuition and daily living expenses.

It is not difficult to see from the above three products that Xingye consumer finance loan has the characteristics of wide coverage, large loan amount and long service life.

To sum up, Xingye's consumer finance loan is still relatively good, which deserves further attention.

How about Dinghe financial loan?

Dinghe Finance is still very good.

Dinghe's financial operation management team brings together experienced elites in the financial industry, who are in a leading position in the industry with legal compliance, perfect internal risk control system and financing in private lending banks.

If your friend successfully borrows money from this family, you can calculate whether the borrowing cost is more than 24%, less than 36% or completely more than 36% through his contract. If it exceeds, it is illegal.