As long as you have a stable income and your income is more than 50% of the monthly repayment, you can apply for a commercial loan, and there is no need to separate local and foreign accounts.
You can apply for a provident fund loan if you have paid the housing provident fund locally in Huai 'an and can use it, and your income is more than 50% of the monthly repayment amount. If your wife has one, you can apply for a common provident fund loan. If only one person has it, you can apply for one person.
Second, I want to buy a house in Huai 'an. How can I get a loan from the bank? I am Anhui's wife, from Huai 'an.
Hehe, brother, it will be another year before you can use the provident fund loan. When you use it, you must pay the down payment yourself, and then go to the provident fund center to withdraw the provident fund! After that, it can be withdrawn once a year, and the amount is stipulated. Then you can find an agent bank to open an account and deposit it, which will be automatically withheld every month. The interest rate is low, generally about 0.25 percentage points lower, and banks have specific interest rates! You have to consult the provident fund management center for the rest!
If you buy a house with a husband and wife provident fund loan, you can write their names (you are married). If your provident fund is not continuous, you can only use your wife's loan (the amount is less), but your provident fund can repay the loan.
3. Hello, Nanjing Bank. E-loan strategy?
Hello, e-loan loan application operation process reference:
1. Download the Hello Bank APP on your mobile phone and register your login account.
2. After logging in, you need to authenticate your identity and related information first.
3. After certification, submit for approval to obtain approval quota.
4. After obtaining the approved quota, apply for withdrawing the amount within the quota.
Precautions:
1, hello e-loan is a product of Nanjing Bank. There used to be, and now there are many open areas. The application will be checked for credit information and credit information.
2. Open cities for provident fund: Nanjing, Yangzhou, Hangzhou, Xuzhou, Taizhou, Shanghai, Wuxi, Beijing, Nantong, Suzhou, Changzhou, Yancheng, Zhenjiang, Suqian, Lianyungang and Huai 'an.
Support bank card binding: ICBC, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Service, China Everbright, CITIC, Xingye, Minsheng, Guangfa, Pudong Development Bank, Ping An, Huaxia and Bank of Beijing.
3. After the loan application is successful, you need to download and log in to Hello Bank APP to activate payment. Login User Name: My Mobile Phone Number, Password: Click the "Forgot Password" button to set the password, and you can log in.
4. When filling in the information, you need to leave your personal phone number, company phone number and spouse phone number. Under normal circumstances, all three calls need to be made, so be sure to answer them well. Unless the spouses of civil servants or state-owned enterprises with particularly good qualifications don't call, most of them need to call, so don't believe what the intermediary said. If your spouse doesn't know, you should pay attention to several questions when answering the phone: ID number, home address, house situation and children. As long as the conditions are met and the phone is connected, it will arrive as soon as possible.
In fact, the next payment rate is not as high as the intermediary hype. As long as everyone knows. If conditions permit, you can apply for a try if necessary. The introduction is for reference only.