1. The company must be an enterprise approved and registered by the administrative department for industry and commerce; 2. The company has a fixed business place and necessary business facilities, and is responsible for independent accounting, self-financing, independent operation and independent civil liability; 3. The company has a sound financial accounting system, and must provide the bank with operating instructions and statistical statements when issuing loans; 4. The company abides by national laws, regulations and policies and operates according to law; 5, the company industry national policy allows, encourage the development of the industry.
There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
How to choose the loan correctly;
1. Loan interest rate discount
For example, when buyers apply for mortgages, the first thing to compare is the discount of loan interest rates of various banks. At present, the benchmark interest rate for loans over five years stipulated by the central bank is 4.9%. In different cities, different banks can set different interest rate discounts according to specific conditions.
2. Priority threshold
The loan threshold of each bank is different, and the preferential threshold is naturally different. Some banks will require lenders to deposit a certain amount in the bank, or the proportion of the loan amount to the total house payment. , to give the loan applicant a certain interest rate concessions. At this time, it is best for buyers to do their homework in advance and understand the regulations of various banks. Especially when buying a second-hand house, you should pay more attention. Some banks may require that the age of second-hand houses applying for loans should not exceed 20 years, or even 10 years.
3. Adjustment method
At present, the main interest adjustment methods followed by banks are: the next year's interest adjustment and the monthly interest adjustment. Next year's interest adjustment means that after the central bank announced the adjustment of loan interest, banks can start to implement it from the next year's date of 65438+ 10/,while the monthly interest adjustment requires the implementation of the new benchmark interest rate from the month after the central bank adjusted the interest rate. There is also a fixed interest rate, and some banks can stipulate that the interest rate will not be adjusted with the provisions of the central bank when signing a contract with the applicant. Different banks have different regulations on the above three interest rate adjustment methods.
4. Repayment method
The repayment method of average capital saves more interest, but the repayment pressure in the early stage is slightly higher and the pressure in the later stage is getting smaller and smaller. It would be better if the bank can let you choose the repayment method according to your actual situation when applying for a loan. In addition, in real life, many people will eventually repay in advance, so when lending, buyers must first understand the bank's requirements for prepayment, and some banks may charge a certain penalty for prepayment.