Personal loan of 200,000 yuan can be borrowed in the following ways:
1. If you have a house with a value of more than 300,000, you can apply for a mortgage loan of up to 200,000 in the bank. Required information: ID card, marriage certificate, household registration book, income certificate, bank account, property right certificate, land certificate, and married information of both parties.
2. enterprise credit loans needs a business license for one year, and the income is good. You need information: ID card, marriage certificate, household registration book, business license, tax registration form and bank account number.
3. Credit loan. A credit loan of 200,000 yuan is very demanding. Borrowers are cadres at or above the civil service level, executives of top 500 enterprises, doctors and teachers. Required information: ID card, marriage certificate, household registration book, income certificate and bank account.
Two. Requirements for personal loan of 200,000 yuan:
In addition to the basic conditions of the loan, the following prerequisites are required:
1. If you want to borrow 200,000 yuan, you can apply for a credit loan or a mortgage loan. Generally speaking, if you want to borrow a credit loan of 200,000 yuan, the personal qualification requirements of the applicant will be very high. Usually, the maximum amount of credit loan can reach 10 times the applicant's monthly income, so the higher the applicant's income, the higher the amount you can get.
2. If the income can't reach the standard of 200,000 yuan, you can apply for a mortgage loan. Common collateral includes: real estate, automobile production, etc. The maximum amount of a general mortgage loan is about 70% of the assessed value of the collateral.
3. When making loans, banks often consider borrowers from the aspects of personal credit information and salary flow, and then decide whether to provide loans and how much to provide. Bank flow is divided into: salary flow, transfer flow and self-storage flow.
4. Running wages are mainly paid through banks, which refers to the borrower's salary income after deducting taxes, five insurances and one gold, and can be used to reflect whether the nature of the borrower's work is stable.
5. Transfer flow refers to the money transferred in and out through the counter or online banking. If there is a fixed transfer flow every month, the borrower will also be recognized by the bank.
6. Self-saving running water refers to the money transferred from the borrower's cash or the running water transferred from the borrower's own bank card.
Extended data:
1. Personal credit loans refer to RMB credit loans issued by banks to borrowers with good credit without providing guarantee. The purpose is to provide unsecured RMB credit loans to solve the temporary consumption or business needs of borrowers. The loan amount is less than 500,000 yuan, and the loan period is generally 1 year, and the longest is not more than 3 years.
Two. Basic conditions for personal credit loans:
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. For China citizens who have reached the age of 18 and have full capacity for civil conduct, the sum of the borrower's age and the loan term shall not exceed 60 years old;
3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
4. Abide by laws and regulations, and have no illegal acts and bad credit records;
5. There is no bad record on the national credit record;
6. Other personal credit loan conditions stipulated by the bank.
How much is the monthly credit loan of 200 thousand?
It depends on your age, monthly salary, family financial situation, etc. The bank will calculate the specific term and monthly payment of the loan for you.
Calculation method: 200,000 yuan/loan month, monthly loan interest rate = monthly loan repayment amount.
The repayment methods of mortgage loans in China include: one-time repayment with a loan term of one year; When repaying the principal and interest, the loan term exceeds one year.
Matching principal and interest repayment method: the monthly repayment amount is the same, but the principal part increases month by month and the interest part decreases month by month. During the repayment period, the total interest expense paid is higher than the repayment method in average capital.
Average capital: The monthly repayment amount decreases month by month, the principal part remains unchanged, and the interest decreases month by month. The total amount of interest paid during the repayment period is lower than that of the equal interest repayment method, but the previous repayment amount (including principal and interest) is higher than that of the equal interest repayment method.
Unsecured/credit loan
Due to the high risk of credit loans, it is generally necessary to examine the economic benefits, management level and development prospects of borrowers in detail to reduce risks.
Credit business is mainly carried out through banks, loan companies and electronic financial institutions.
Banks with credit products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.
Credit loans are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are often referred to as. This kind of products is characterized by high speed and flexible quota, but the cost is hidden in fees and other charges, and the actual loan cost is much higher than the advertised interest rate.
Credit loans of guarantee companies are credit loans provided by guarantee companies to customers through bank loans. Generally, it can reach up to 300,000 yuan, and the cost model is bank loan interest plus guarantee fee of guarantee company. Formal guarantee companies only charge a certain percentage of the guarantee fee and do not charge interest. This is also the standard to distinguish whether a guarantee company is formal or not. P2P lending and financing platform will not be too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the interest rate is uncertain.
What are the conditions for rural credit cooperatives to lend 200,000 yuan?
The requirements for a loan of 200,000 yuan from a rural credit cooperative are as follows:
1. The lender must be a legal citizen of China and can provide valid identity information.
Two, in the credit cooperatives to open a basic account or general account.
III. Indicate the purpose and legality of the loan.
Fourth, prove your solvency.
5. Promise to pay back when due, otherwise the bank will raise interest or auction the property;
Six, according to the specific circumstances of the lender, there may be other requirements.
With a loan of 200,000 yuan in a rural credit cooperative, the staff will review the lender's conditions and verify whether the lender has the repayment ability. If the lender has no repayment ability, it needs a guarantor. Interest will be generated during the loan period, but compared with private loans, this is a relatively safe loan method with relatively low interest.
The earliest rural credit cooperatives in China appeared in the1920s. 65438-0955, after the establishment of China Agricultural Bank, it undertook the management task of rural credit cooperatives. 1957 the draft model charter of rural credit cooperatives was revised again.
1958 65438+February, the State Council and the Central Committee of the Communist Party of China * * * issued the Decision on Improving the Rural Finance and Trade Management System to Adapt to the People's Commune Situation and Implementing the Method of "Two Liberalization, Three Unification and One Package", and also promulgated the Provisions on the Work of the Credit Department of People's Commune and the Liquidity of State-owned Enterprises.
1962, the Central Committee of the Communist Party of China issued the "Decision on Strengthening the Centralized and Unified Work of Banks and Strictly Controlling the Issuance of Currency", decided to restore rural credit cooperatives, and drafted the "Provisions on Several Issues of Rural Credit Cooperatives", which formally brought the credit cooperatives into the track of state management.
1977 1 1 In June, the State Council issued "Several Provisions on Rectifying and Strengthening Banking Work" and "Decision on Implementing Cash Management", and rural credit cooperatives embarked on the road of "from private to government-run".
1on February 23rd, 979, the State Council issued the Notice of the State Council on Restoring the Agricultural Bank of China, and the rural credit cooperatives were changed from the management leadership of the People's Bank to the management leadership of the Agricultural Bank.
1984 China Agricultural Bank submitted the Report of China Agricultural Bank on Reforming the Management System of Credit Cooperatives to the State Council, which was approved by the State Council and forwarded to the whole country: "Restoring the cooperative financial nature of credit cooperatives", proposing to establish county-level credit cooperatives, and initiating the establishment of rural credit cooperatives by new merger on the basis of rural credit cooperatives and their cooperatives. The registered capital is paid-in capital, and the minimum amount is RMB 3 million.
1August 22, 996 Guo Fa [1996] No.33 "Decision of the State Council on the Reform of Rural Financial System", rural credit cooperatives are completely decoupled from China Agricultural Bank, and business management and financial supervision are undertaken by rural credit cooperatives and county branches of the People's Bank of China respectively. The document also pointed out: "In areas with a high degree of urban-rural integration, commercial credit cooperatives have been reorganized and merged to form rural cooperative banks, which are joint-stock commercial banks."
From 65438 to 0997, the People's Bank of China promulgated the Regulations on the Management of Rural Credit Cooperatives. 1999 by 2000, a large number of county-level cooperatives were established all over the country as a single legal person, as well as municipal cooperatives, provincial cooperatives or provincial credit cooperatives. 200 1 Rural cooperative banks and rural commercial banks were reorganized and established.
On June 27th, 2003, the State Council issued the Notice on Deepening the Reform of Rural Credit Cooperatives, and formulated the general requirements of "clarifying the property right relationship, strengthening the restraint mechanism, enhancing the service function, giving appropriate support by the state, and making local governments responsible".
What is the best loan for a loan of 200,000 yuan?
People often need a lot of money in their daily life. For example, if you want to borrow 200,000 yuan, metropolises choose bank loans, and the interest and amount of bank loans are relatively high. However, the threshold for bank loans is already relatively high, and personal loans of 200,000 yuan are definitely more difficult. So, what can be done to make the loan more successful? Let's have a look.
When an individual borrows 200,000 yuan from a bank, he must choose the appropriate loan type, such as credit loan and mortgage loan. And the requirements for borrowers are different.
1, credit loan
It is the mainstream loan method, which depends entirely on personal economic strength and credit application. Because of the high risk and high requirements for borrowers, most bank VIPs have the opportunity to borrow 200,000 yuan, and they pay more attention to the nature of borrowers' work, such as civil servants, institutions and employees of top 500 enterprises.
Nine times out of ten, ordinary people will run into a wall when they directly ask for bank loans, and they can borrow money indirectly with credit cards. Many banks have exclusive cash installment quotas for high-quality cardholders, with a maximum of 200,000, such as China Merchants Bank e-loan, CITIC New Express, and Pudong Universal Fund. It will be easier for each bank to borrow tens of thousands and make up 200 thousand. Credit card in advance, no bad credit.
2. Mortgage loan
This is a common way to get the highest pass rate of large loans, which refers to the use of real estate and shops with property rights that can be circulated in the market and meet the conditions of bank mortgage loans as collateral for loans. Such loans are usually issued according to the assessed value of collateral, and in the case of real estate, the maximum loanable value is 80%.
After the loan of 200,000 yuan is approved, don't forget to repay it on time, otherwise the collateral will be auctioned to recover the loan.
What are the requirements for a loan of 200,000 yuan from the bank?
To borrow 200,000 yuan from a bank, the following conditions are required:
1. If you own a house with a value of more than 300,000 yuan, you can apply for a mortgage loan to 200,000 yuan in the bank. Required information: ID card, marriage certificate, household registration book, income certificate, bank account, property right certificate, land certificate, married information of both parties.
2. enterprise credit loans: What is needed is that the business license of the enterprise has expired for one year. If the income is good, you can handle the required materials: ID card, marriage certificate, household registration book, business license, tax registration form and bank account number.
3. Credit loan. The requirement for a credit loan of up to 200,000 yuan is very high. What is needed is that the lender is a cadre above the civil service level, a top 500 enterprise executive, a doctor and a teacher. What is needed is information: ID card, marriage certificate, household registration book, income certificate and bank account.
Two. Application materials to be provided:
(1) ID card, household registration book or valid residence certificate, residence address certificate and marital status certificate of the borrower and spouse;
(2) Proof of the borrower's spouse's commitment to repayment;
(3) Production and business operation license, if it is a licensed operation, the original and photocopy of the business license of the relevant administrative department shall be provided; The partnership enterprise or corporate enterprise shall also issue the original and photocopy of the partnership agreement or articles of association, capital verification report and capital contribution agreement;
(4) Proof of loan use (such as house purchase contract, etc.). );
(5) the tax payment certificate of production and business activities;
(6) The borrower's pledge certificate, the list of mortgaged (pledged) goods, the ownership certificate required to obtain the amount of mortgaged (pledged) loans, and the written documents of some people agreeing to mortgage (pledged) the owner and property;
(7) Collateral appraisal report issued by the appraisal department recognized by the bank;
(eight) other information required by the bank.
Extended data:
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.