The loan amount is determined according to the budget, and the cost per square meter does not exceed that of 400 yuan. Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Interest on self-built house loan of Beijing Rural Commercial Bank
Beijing Rural Commercial Bank Housing Loan Interest Rate Table
Project interest rate
Unit (%)
I. Short-term loans
Six months (inclusive) 4.35
One year (inclusive) 4.35
Second, medium and long-term loans
One to three years (including five years) 4.75
Three to five years (including five years) 4.75
More than five years 4.90
Annual interest rate of provident fund loan%
Less than five years (including five years) 2.75
More than five years 3.25
Can you go to the Agricultural Bank for a loan to build a house in rural Beijing?
Agricultural Bank of China can borrow money as long as you.
credit record
Yes, and the income can meet the requirements of future repayment, no problem. The current Huinong card loan is specifically aimed at farmers.
Secured loan
Credit for three years, recycling is very convenient. If it is in Beijing, 50,000-80,000 should not be a problem.
Self-built houses in rural areas in Beijing can be built by loans.
can
Rural self-built houses that meet the following conditions can be loaned:
1, the housing built is limited to large and medium-sized cities or towns where county and city governments are located, or key towns recognized by provincial governments;
2. The land occupied by the building is acquired by means of transfer, and the borrower has paid the land transfer fee in full, and independently obtained the state-owned land use certificate in the name of the borrower;
3, the land transfer time is not more than 2 years;
4. Self-built houses have obtained property certificates.
Can Beijing rural hukou borrow money to buy a house?
Yes, because buying a house loan has nothing to do with whether it is actually a rural hukou. When buying a house in a rural household, it is also necessary to follow the relevant purchase contract procedures. Bank loan refers to an economic behavior in which a bank lends money to people who need it at a certain interest rate according to the relevant national policies and agrees to return it within a certain period of time. What conditions can I borrow to buy a house? I must be a natural person who has reached the age of 18 and has full capacity for civil conduct. I have a permanent residence in the town or a valid residence status; Have a stable economic income, a good credit record, the ability to repay the principal and interest of the loan, and provide true proof of income ... The sum of the years of applying for the loan plus the current age is not more than 60 years old ... If there are * * * people in the mortgaged property, one of them must be determined as the main applicant for the loan, and the main applicant must meet the above conditions ... The sum of the service life of the mortgaged property and the mortgage life is generally not more than 30 years. Assets recognized by the bank are used as collateral or pledge, or units or individuals with sufficient compensatory capacity are used as guarantors to repay the principal and interest of loans and bear joint and several liabilities; The borrower and the seller sign a real estate sales contract and pay a down payment of not less than 30% of the house price.
Is the post-loan management of ABC strict?
Strict. Farmers' loans refer to all kinds of RMB loans issued by rural credit cooperatives to farmers who meet the loan conditions in their service areas for production, operation and consumption. Agricultural Bank of China strictly manages farmers' loans and repays them in strict accordance with the date. Agricultural Bank of China was established in 195 1. The head office is located in Jianguomen Inner Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit.
Let's stop here for the introduction of agricultural loans in Beijing.