product information

1. Amount: up to150,000;

2. Interest rate: 3.85%-4.65% per annum;

3. Duration: up to 20 years;

4. Repayment method:

Pay interest on 1 year or 2 years in advance. After this cycle 10 years (without repayment of principal), the minimum loanable amount is 3.75%;

Long-term balloon loan 10 years, at least 4.65% and 5.1%in 20 years;

5. Payment method: it must be the legal person/shareholder of the counterparty or an executive who can conduct industrial and commercial inspection (the counterparty must be established for more than 3 months).

Access requirements

1. Household registration: China nationality (including Hong Kong, Macao and Taiwan people);

2. Age: 22 years old, borrower 65 years old, mortgagor 18 years old, 70 years old;

3. Enterprise main body:

Business license: must hold 1 year or above and actually operate;

Borrower relationship: individual industrial and commercial households, business partners/investors/shareholders/legal representatives (excluding actual controllers);

4. Credit reporting requirements:

The loan status is normal, and there is no fatigue and continuous overdue in the past 2 years;

The credit card is in normal condition, with no connection for 3 times in the past 2 years, and the amount is 3,000 yuan;

The credit balance of credit card is 6.5438+0 million, accounting for 30% of the total assets of the borrower's family;

5. Water demand:

Companies or individuals can, and the mortgage rate is below 5 million and below 50%. If the credit liabilities meet the requirements of the bank, the running water requirement can be weakened;

If the running water cannot match the operating conditions, it will be reduced by10% on the basis of the upper limit of the mortgage rate;

6. Others: (single enterprise) The asset-liability ratio is 70%.

Subsidiary requirements

1. Collateral type: commercial house, and the nature of land is transfer;

2. Age of the mortgaged house: the age of the house shall not exceed 30 years;

3. Collateral area: Xiazhangquan;

4. Mortgage percentage:

Tongan, Xiang 'an and Haicang districts must be elevator buildings, with a building age of 20 years and a maximum of 60%;

The mortgage rate of staircase building in Jimei area is the highest 60%, and that in other areas is the highest 70%.

Application material

1. Personal data: ID card, household registration book, marriage certificate/divorce certificate agreement/judgment, real estate license, bank card, tap water, and other assets certificates of the borrower and spouse.

2. Enterprise information: business license, official seal, articles of association, business history of the company in the past year (if any), previous business contracts (if any) and financial statements (if any);

3. Usage information: purchase and sale contract, deposit receipt, counterparty's business license (if any), payee's mobile phone number, copy of payee's ID card and copy of payee's bank card.

Use process

On-site assessment;

Bank signing;

Supplementary materials;

Ratification, recognition and commitment;

Borrow money.

Related Q&A: Xiao Wang, a salesman, paid the loan to 500 yuan, reimbursed the fare of 100 yuan and the meal fee of 200 yuan when he came back, and returned the cash. When 200 yuan borrows money, he borrows: other receivables-Xiao Wang 500 loans: reimbursing 500 cash loans: management fees-travel expenses 65,438+000 loans: management fees-welfare expenses 200 loans: cash 200 loans: others.