Legal analysis: 1, with urban permanent residence or valid residence status; 2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; 3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house; 4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities; 5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank; 6. Other conditions stipulated by the bank.
Legal basis: Interim Measures for the Administration of Personal Loans Article 1 These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the People's Republic of China (PRC) Commercial Bank Law and other laws and regulations in order to standardize the personal loan business behavior of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business. Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business. Article 3 The term "personal loan" as mentioned in these Measures refers to the principal loan granted by the lender to qualified natural persons for personal consumption, production and operation. Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith.
Two. What are the provisions of the CBRC on mortgage loans?
Mortgage loans shall not be used for buying houses or trading stocks, but only for business activities.
3. Ask the insider for help: What are the terms of the loan?
If you are in a hurry, it is better to find a reputable company or individual. Generally speaking, they are also very disciplined, but they can solve the urgent need if they are a little higher!
Four. Provisions of China Banking Regulatory Commission on Personal Loans
Legal analysis: 1, with urban permanent residence or valid residence status; 2. Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule; 3. Ensure that the self-raised funds of more than 20% of the total price of the purchased house are used to pay the down payment of the purchased house; 4. Take the assets recognized by the bank as collateral or pledge, or take the units or individuals with sufficient compensatory capacity as guarantors to repay the loan principal and interest and bear joint and several liabilities; 5. There is a purchase contract or agreement, and the purchase price basically conforms to the evaluation value of the bank or the real estate appraisal agency entrusted by the bank; 6. Other conditions stipulated by the bank.
Legal basis: Interim Measures for the Administration of Personal Loans Article 1 These Measures are formulated in accordance with the Banking Supervision Law of the People's Republic of China, the People's Republic of China (PRC) Commercial Bank Law and other laws and regulations in order to standardize the personal loan business behavior of banking financial institutions, strengthen the prudent management of personal loan business and promote the healthy development of personal loan business. Article 2 People's Republic of China (PRC) and banking financial institutions established in China with the approval of China Banking Regulatory Commission (hereinafter referred to as lenders) shall abide by these Measures when engaging in personal loan business. Article 3 The term "personal loan" as mentioned in these Measures refers to the principal loan granted by the lender to qualified natural persons for personal consumption, production and operation. Article 4 Personal loans shall follow the principles of compliance with laws and regulations, prudent operation, equality, voluntariness, fairness and good faith.