Assuming that the user chooses a bank, the annual interest rate announced by the central bank is 4.9%. The housing loan is 350,000 yuan, and the loan time is 10 year. The average capital is 464.58 yuan. The repayment in the first month is 4345.83 yuan. Decrease 1 1.95438+0 yuan. The total interest paid by matching principal and interest is 93,425.06 yuan. The repayment will be the same every month, and the repayment amount will be 3695.38+0.
Bank loan refers to the economic behavior that individuals or enterprises lend money to individuals or enterprises in need of funds from banks and return them within the agreed time limit. Generally speaking, you need to provide a guarantee and a good mortgage letter before you apply. Compared with other financing methods, bank loans are harsh, with too many restrictive clauses, complicated procedures and time-consuming and laborious; The loan period is relatively short and long; The loan amount is relatively small. The bank loan requirements are as follows: 1. Natural persons who meet the basic application conditions of 1 (Hong Kong, Macao and Taiwan, Chinese mainland and foreigners are also allowed). He has a steady job and a steady income. 3. The actual age of the borrower plus the loan application period should not exceed 70 years old. 2. He meets the credit application conditions of 1. The bank allows it in the agreement. 2. Revolving credit agreement: a weekly agreement that promises to provide loans to enterprises that do not exceed a certain upper limit. 3. Compensatory balance: Compensatory balance means that the bank requires the borrower to keep a certain percentage of loan limit or actual loan amount in the bank (generally 1). How much can I borrow from a bank loan? Different loan methods have different loan amounts: business start-up loan: business start-up loan refers to an individual with certain production and operation ability to start a business. A borrower who applies for business start-up or re-start-up capital needs and is recognized by the bank as effectively undertaking conditions can get a single loan of up to 500,000 yuan. Mortgage: For those who need to start a business, personal consumption loans can be used flexibly for starting a business. The amount of mortgage loan generally does not exceed 70% of the assessed value of collateral, and the maximum loan amount is 300,000 yuan. In addition to certificates of deposit, personal loans can also be easily obtained through certificates such as treasury bills and insurance company policies. 80% of the amount of the deposit certificate can be loaned by the deposit certificate; 90% loanable national debt of national debt denomination; The insurance company's policy amount does not exceed 80% of the cash value of the policy at that time. Guaranteed loan: At present, banks have a soft spot for high-income groups, and lawyers, doctors, civil servants, employees of public institutions and people in the financial industry are all listed as preferential targets for credit loans. Employees in these industries can get about 6,543,800 yuan of secured loans from ICBC, CCB and other financial institutions just by looking for one or two colleagues to guarantee them. Apply for unemployment loan with re-employment concession card. Everyone can borrow up to 20 thousand yuan, and interest is the lowest interest rate between local bank loans. If an enterprise employs 65,438+00 laid-off workers, it can enjoy a low-interest loan of up to 200,000 yuan. 2. What is the minimum loan amount?
At least you can borrow 1000, but many banks don't accept it. If you borrow 1000, you can actually borrow it from relatives and friends, and you can also lose interest. There are many kinds of loans, and the conditions of loans are also different. The most basic things are ID card, household registration book, stable job, current bank account and no bad credit record. Collateral and guarantor depend on your loan type.
If you want to get a loan, you can look at the loan information on Easy Loan, and you can also post your information on the website.
3. What is the minimum amount of bank loan?
The smallest bank credit limit is the credit card. From 2000 to 50000, if you need more money, if it exceeds 50000, you need to make a loan request to the personal credit department of the bank! You should be talking about a person!
4. What is the amount that an individual can borrow from the bank?
The specific loan amount should be determined according to the actual situation of the borrower. Good and stable credit income is conducive to the increase of credit line.
1. Use your ID card to borrow money from the bank. Generally, the maximum loan amount is 300,000 yuan.
2. For ordinary wage earners, the actual loanable amount is basically around 6,543,800 yuan.
The amount of personal loan is usually about 10 times of personal monthly income. The high quota is 6.5438+million, but the specific situation needs to be closely related to the economic development level and personal qualifications of local cities.