Materials and technology required for commercial loans
Letter of credit clause
1, a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. When the loan expires, the man is not over 60 years old and the woman is not over 55 years old;
3. Have a stable and legal occupation and income source, and have the ability to repay the principal and interest.
Loan percentage
1, the housing loan generally does not exceed 70% of the total price of the house purchase contract, and the maximum does not exceed 80% of the total price of the house purchase contract;
2. Commercial housing loans shall not exceed 50% of the total contract price;
deadline
1. The maximum term of individual housing loan is 30 years;
2. The longest term of personal commercial housing loan is 10 year;
loan rate
1. The personal housing loan interest rate is10% lower than the benchmark interest rate;
2. The interest rate of personal commercial housing loan rises at the benchmark interest rate level10%;
3. During the loan period, when the national legal interest rate is adjusted, the new interest rate will be implemented from 1 in the following year.
Repayment method
1. Equal principal and interest repayment method: the borrower repays the loan principal and interest in equal amount every month;
2. Average capital repayment method (decreasing): the borrower repays the principal in equal amount every month, and the loan interest decreases with the principal month by month;
Two. The borrower shall provide materials (copied on a4 paper)
1. Original and photocopy of ID cards of both parties: 7 for the borrower and 2 for the spouse;
2 original and two copies of the household registration book (home page, home page and personal page).
3.( 1) The original and two copies of the marriage certificate (photo page and content page).
(2) provide the original and two copies of the unmarried single certificate (issued by the civil affairs department in the area where the household registration is located)
(3) Two originals and copies of divorce certificate and single certificate;
4. Original and photocopy of income certificates of both parties 1 copy.
Note: Private enterprises are required to provide two copies of their business licenses (they must pass the annual inspection in that year).
Two copies of the tax payment certificate for the last three months;
Other sources of income and easily realized property (rent, deposits, bonds, securities, real estate, cars, etc.). ) can also be provided.
5. The original and two copies of the down payment invoice.
III. Materials provided by the Employer
1 3 ordinary house purchase contract;
2.3 Pre-sale permit;
3 copies of the house number approval form;
4. 1 copy of business license of enterprise as a legal person;
5. Filing 1 contract;
IV. Signature and fingerprint of the customer
1, 1 dialogue notes
2. Two loan applications.
3. Income certificate (both parties) 1 copy.
4. Six loan contracts.
5.4 mortgage forms
6. Two statements.
Verb (abbreviation of verb) collection of various fees
1, deed tax: x1.5% of the total house price (unit price144m2 above 5680 yuan /m2 above 5680 yuan is calculated as 4%).
(Submitted to Finance Bureau)
2. Maintenance fund: area × 2,300× 2.5% (calculated as 2,300 yuan for more than 2,300 yuan).
Total house price × 2.5% (within 2300 yuan)
(handed over to the real estate bureau)
3. Property right certificate and mortgage: 480 yuan (mortgage fee: residential 200 yuan, outlet: loan amount × 1.5‰, property right certificate 80 yuan, other property right certificate 80 yuan, file check 100 yuan, table 20 yuan).
(handed over to the real estate bureau)
4. Insurance: loan amount × loan term × interest rate (0.6‰)
(to the insurance company)
5. Notarization: loan amount × 1‰
(Submitted to Notary Office)
6. Attorney's fees: 600 yuan (residential) and 800 yuan (shops and outlets).
Second, what are the conditions for self-payment of loans?
How are bank loans, entrusted payments and independent payments returned?
Entrusted payment means that each loan fund can only be used for loan purposes, but not for loan purposes.
Independent payment means that the loan funds can be approved by the bank, but if the loan funds are used, the bank has the right to collect them in advance at any time.
This is the requirement of CBRC's three methods and one guideline.
2. Independent payment and entrustment
Entrusted payment refers to the audit of each loan fund, which can only be used if it meets the purpose of the loan.
Independent payment means that the borrower can use the loan funds without the approval of the bank, but if the borrower uses the loan funds in violation of the loan contract, the bank has the right to collect them in advance at any time.
Compared with the "independent payment" method, the biggest difference of the lender's "entrusted payment" is that the "bank's audit on the use of loan funds" is added before the loan is issued, which binds the loan funds with the loan purposes and restricts the "free" use of the loan funds, thus effectively solving the problem of misappropriation of the loan funds.
What do you mean by independent payment?
Independent payment and principal payment refer to the direct payment of loan funds to my account; For the loan method of transferring to someone else's account, you must first add someone else's account as the entrusted payment account.
Tips: The above information is for reference only. If you need funds, you can also handle them through our official channels. If Ping An Bank has mortgage loans for houses and cars with different qualifications, you can log in to Ping An Pocket Bank APP- Loan Trial Application.
Reply time: 202 1-0 1-07. Please refer to the latest business changes announced by Ping An Bank in official website.
[I know Ping An Bank] Want to know more? Come and watch I Know Ping An Bank ~
//b..cn/paim/iknow/index
4. Working capital loan
Self-payment means that the borrower can use the loan funds without the approval of the bank, but if the borrower uses the loan funds in violation of the loan contract, the bank has the right to collect them in advance at any time.
Compared with the "independent payment" method, the lender's "entrusted payment" adds a link of "bank's review of the use of loan funds", thus tying the loan funds and loan purposes together. This kind of binding will limit the borrower's "free" use of loan funds, thus effectively solving the problem of misappropriation of loan funds.
According to the new regulations, the current applicable situation of entrusted payment is: 1, and the single amount of project financing loan exceeds the total investment of the project; 2. Meet the following conditions: a. Newly established credit business relationship with the borrower and the borrower's credit status is average; B, the payment amount is large; C,
Except in special circumstances, personal loan funds should also be entrusted.
Exceptions to self-paid personal loans mainly include: the borrower cannot determine the specific transaction object in advance and the amount does not exceed RMB 300,000; The counterparty of the borrower does not have the conditions to effectively use the non-cash settlement method; The loan funds are used for production and operation and the amount does not exceed 500,000 yuan; Other circumstances stipulated by laws and regulations. The borrower can pay independently.
What are entrusted payment and autonomous payment?
Entrusted payment is to let others pay for you, which means these two things.
What is the meaning of the method?
The borrower's independent copy payment refers to that after the loan funds are distributed to the borrower's account by each agency according to the borrower's withdrawal application, the borrower pays the borrower's transaction object that meets the purpose agreed in the contract.
Interim Measures for the Administration of Personal Loans
Article 29
The lender shall, according to the loan contract, manage and control the payment of loan funds by means of entrusted payment by the lender or independent payment by the borrower.
Entrusted payment by the lender means that the lender pays the loan funds to the borrower's transaction object that meets the purpose agreed in this contract according to the borrower's withdrawal application and payment entrustment. _
The borrower's independent payment means that the lender directly pays the loan funds to the borrower's account according to the borrower's withdrawal application, and the borrower independently pays the borrower's transaction object that meets the purpose agreed in the contract. _
7. The main situation of independent payment of working capital loans.
The transaction object is unclear, and the payment amount is scattered and small, which does not meet the conditions of entrusted payment. In short, it is reasonable to say that if you can't entrust the payment, you can pay for it yourself.
Introduce independent payment of loans
There are two ways to use loan funds for payment-independent payment and entrusted payment. Entrusted payment means that the use of each loan fund needs to be audited by the bank, and it can only be used if it meets the loan purpose, and it cannot be used if it does not meet the loan purpose.
How do small enterprises use loans, and do they need any entrusted payment or independent payment?
1, entrusted payment: after the loan is issued, the small enterprise entrusts the bank to pay the loan money to the payment object. If small enterprises need money, they need to apply to the bank, sign an agreement on entrusted payment, and list the entrusted payment objects. According to the agreement, the bank will transfer money.
2. Self-payment: after the loan is issued, the small enterprise will pay the loan to the payment object by itself, and it is required for the small enterprise to issue a transfer check for transfer or withdrawal. However, a payment plan must be provided to the bank.
To be clear, the first one is that small enterprises entrust banks to pay, and the second one is that small enterprises pay by themselves.
As stipulated by the People's Bank of China, loans must be earmarked for special purposes, and all large loans must be paid by entrustment, and the object of payment must be actually related to the purpose of the loan. And you need to provide proof of use such as contracts and invoices.
The amount of independent payment is generally small. Although small enterprises pay by themselves, they also need to provide proof of payment.
What does it mean that the lender entrusts the payment and the borrower pays independently?
"Independent payment" refers to the direct payment of loan funds to the fund recipients according to the loan contract after the bank applies for the loan amount.
"Entrusted payment" means that the bank pays the loan funds to the payee who meets the agreed purpose according to the specific purpose of the funds agreed by the lender. Through the bank audit mechanism, the risk of loan misappropriation can be reduced.
Before the new loan regulations, the management procedures of credit funds were not clearly defined, so the state made many prohibitive regulations, such as prohibiting credit funds from entering the stock market and high-risk industries. The new loan regulations clearly give commercial banks the management and control of credit funds, and at the same time, it is also a responsibility.
In the choice of two payment methods, commercial banks may not choose independent payment if they meet the conditions of entrusted payment; If it meets the conditions of independent payment, it must meet the relevant procedures before it can be used. From the pros and cons, banks reduce the risk of credit funds and improve the quality of credit assets, but reduce the time for credit funds to stay in banks and reduce the income from loan transfer. For borrowers, it reduces the financing cost of credit funds and improves the level of financial accounting, but it increases the procedures for connecting with bank loans and the workload.
(10) Extended reading of loan independent payment conditions
In the case of entrusted loans, the transaction items have been determined in the loan credit application materials, and even the approval process of counterparties and banks is relatively strict, and only performance exists when loans are issued.
The traditional independent payment method is flexible and random, while the new loan regulations clearly stipulate independent payment: the lender should ask the borrower to summarize and report the payment of loan funds regularly, and know whether it meets the agreed purpose through account analysis, voucher inspection and on-site investigation, which requires more refined management of credit funds.
The authenticity of the loan purpose is the premise of implementing the two methods. If the customer or the account manager of the bank conceals the real purpose of the loan when declaring, it is difficult to pass whether the loan is used for entrusted payment or independent payment. If it is forced to operate, it will be illegal. On the contrary, for the real loan purpose, no matter what kind of payment method is adopted, the process will be simple and easy, and at the same time, it will also play a positive role in promoting the borrower's financial management.
3. What are the terms of the loan?
There are several conditions for buying a house by loan: 1. Those who meet the loan conditions can generally borrow the first and second suites, and the third suite bank prohibits loans. 2. There is a down payment fund and a legal and effective purchase contract. 3. Good credit record. Loans with poor credit information are not passed, or the loan amount is low. 4. With a stable income, the monthly bank flow must be more than twice the monthly repayment amount.