Beibu Gulf Bank was originally a commercial bank in Nanning, and was later renamed as a loan business. At the beginning, customers didn't like loans and would rather postpone the project. We are in a hurry now, so we can't be too early or too late. Maybe we will use more deposit and loan business. However, the relevant customer base and market management should be gradually understood. Love to run business will win.

Second, is Nanning restricted?

Buying a house in Nanning is not limited to buying loans, which means you can buy as many suites as you want as long as you can pay in full. However, there is a limit on the number of sets of loans to buy a house, and only the first and second sets of loans are allowed.

To recognize the house and the loan, take the family as the unit. (1) If you have two houses in Nanning, you need to pay the full amount regardless of whether you borrow money to buy the third house; (2) If two sets are paid in full in other places, the first set is Nanning, and the down payment is 20%. If it's all paid back, it's a 30% down payment. (3) If there are two sets in other places, one of them is still mortgaged, and the two sets in Nanning will be 40% down payment.

At present, Nanning's housing policy does not restrict foreign residents from buying houses in Nanning, just like local residents. Therefore, there is no special requirement for foreign hukou to buy a house in Nanning, as long as you have the funds in place. If you want to buy a house with a loan, the requirements are the same as those of local residents. Loans provide the materials and qualifications that banks need, and they have good credit, as long as they are approved.

Is there a personal loan in Nanning? What are the loan terms?

You can get a personal loan by going to a local bank in Nanning.

Basic conditions for handling personal loans:

1. The borrower can provide valid identification such as ID card and household registration book.

2. The borrower is at least 18 years old, and the loan age and loan period are not more than 70 years old.

3. The borrower has a stable job, good income and the ability to repay the principal and interest of the loan on time.

4. Abide by the law, be honest and trustworthy, and have no illegal acts. At present, there are no criminal cases or civil cases against them.

5. The borrower's personal credit is good, the loan and credit card under his spouse's name are not overdue at present, and the credit record meets the product access requirements.

6. Other conditions stipulated by the bank.

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Under normal circumstances, banks can handle loans. Personal loans are handled as follows:

1. The borrower prepares the information specified by the bank, fills in the loan application form and submits the application;

2. The bank will review the qualifications of the borrower, and the main personal information and credit records will be officially replied to the applicant within three weeks;

3. The bank agrees to the loan, and the borrower signs a loan contract with the borrower. According to the different loan guarantee methods, mortgage contract, pledge contract and guarantee contract should be signed at the same time;

4. Banks issue loans.