It's easier to teach majors ~ ~ ~ but it's recommended to go to a bank ~ ~ and don't look for any private loans ~ ~ It kills people ~ ~ Every bank has it ~ ~ It's easier if you have a credit card before ~

Second, how to buy an office building, can I get a loan?

1. Can I use the housing provident fund loan to buy an office building?

I can't. Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees.

Second, the scope of application of housing provident fund loans?

Beijing Housing Provident Fund Network shows that the self-occupied housing that can apply for personal loans of housing provident fund at present includes auction of commercial housing, existing commercial housing, self-occupied commercial housing, affordable housing, two-limited housing, housing reform housing, fund-raising housing and second-hand housing. Among them, affordable housing, limited housing, housing reform housing and fund-raising housing belong to policy housing.

3. What problems should I pay attention to when buying an office building?

1, taxes and fees

The taxes and fees charged for buying an office building are different from those charged for buying a house. New office transactions involve deed tax, etc. Second-hand office transactions need to pay more taxes and fees, and sellers need to pay: value-added tax, local tax, personal income tax and stamp duty. Buyers need to pay: deed tax and stamp duty. In addition to the above taxes and fees, you have to pay a certain transaction fee. Whether it is the full amount or the difference (value-added tax and personal income tax) depends on how long it takes the seller to buy the house.

2. Pay attention to the land and volume of office buildings.

When examining and approving, specify the purpose of building land. In order to gain more profits, some developers may not design and build according to the plan in the construction process. It is better not to touch such a house. It is suggested that people who have no experience in buying office buildings can still start from the primary market step by step and be familiar with the whole transaction and holding link before entering the secondary market.

3. Differences in bank loans

To buy an office building and apply for a bank loan, it should be noted that the bank has different regulations on office loans and housing loans, and there are differences in down payment, years and interest rates. Even if you buy an office building for the first time, you can only apply for a loan of 10 years, and the tax rate needs to rise by 10% according to the benchmark interest rate, and you can't use provident fund loans.

If the purchased office building belongs to the second-hand office building, it is necessary to know whether the property is mortgaged, pledged or guaranteed by other companies, and whether the ownership and integrity of property rights will be affected during the change of corporate or equity. If the property right belongs to an individual, is there a company under the owner's name? If the company is an unlimited liability company, the legal person's property will also appear as the property to offset the company's debts.

5. Office environment

When choosing an office building, just like choosing a house, it is necessary to judge the surrounding environment, but the uses of the two are different and the environment required by the lot is different. Commercial office buildings must be very convenient for traffic. The height of the office building should be roughly the same as that of other buildings around it. Usually, buildings that are too high or too short are inappropriate buildings.

Third, how do in-service teachers get loans?

On-the-job teachers are just the occupation of users as teachers, and the process of applying for loans is the same as that of on-the-job employees. For example, to apply for a bank loan, first submit the loan application and then submit the loan information. The bank will audit the in-service teachers, sign a loan contract after the approval, and finally arrange the loan. The process of applying for online loans is relatively simple. Find the online loan application entrance, fill in the personal loan information, and the system will review it. After examination, the credit line is given, and the user applies for withdrawal according to the credit line.

Different loans have different requirements for applicants, but they are all short-term and can apply for credit loans.

4. How do in-service teachers get loans?

On-the-job teachers are just the occupation of users as teachers, and the process of applying for loans is the same as that of on-the-job employees. For example, to apply for a bank loan, first submit the loan application, and then submit the loan information. The bank will review the in-service teachers, sign a loan contract after the approval, and finally the bank will arrange funding. The process of applying for online loans is relatively simple. Find the entrance of online loan application, fill in personal loan information, and the system will run and review. After examination, the credit line is given, and the user applies for withdrawal according to the credit line.

Different loans have different requirements for applicants, but they are all short-term and can apply for credit loans.