The key is to provide capital that can be repaid by 800,000 yuan, or you have a stable job, such as a bank running for one year. ..
Very troublesome
When is the most cost-effective period for a loan of 28,000 yuan?
It depends on how the loan is used. Paying off the house in 20 years is the best deal. If you buy a car, it is recommended to pay it off within 3 years, which is the most economical.
Third, the salary is 4800, and I want to borrow 800,000 yuan to buy a house. Can the loan be approved?
If you want to borrow 800,000 yuan to buy a house, then 4,800 yuan a month is definitely not enough. We can calculate a salary of 4,800 yuan, a loan of 800,000 yuan, and equal repayment of principal and interest. 4,245 yuan needs to be repaid every month, of which the principal is 979. 15 yuan and the interest is 3,266.67 yuan. According to the relevant provisions of the loan, the monthly payment is 2.5 times the salary. If a loan is to be granted, the monthly salary must be at least10,612.5 yuan. If this figure is not reached, banks will generally not lend. After all, paying off the loan is less than 600 yuan a month, which is very stressful for repayment.
Everyone who lives in this world needs some expenses that must be paid. For example, eating and drinking Lazar can't save it. 600 yuan, 20 yuan a day for 30 days. A person needs breakfast, lunch, dinner, as well as some daily necessities, telephone charges and internet fees. These expenses are definitely not enough, and banks will naturally not lend on this ground.
If you want to borrow 800,000 yuan for 4,800 yuan, you can't. We can borrow half 400 thousand, and that's it. If the loan is 400,000 yuan, then the monthly payment is 2 122 yuan, 4,800 yuan, although it is less than 2.5 times, but under normal circumstances, it is basically possible to get this loan. Because some banks are not very demanding, they can lend as long as they are more than twice as high, so it is still ok to borrow 4800 yuan and 400 thousand yuan a month.
The loan salary of 4,800 yuan must be a stable income, because the bank needs running water for more than 6 months, that is, when we apply for a loan, the bank's running water for more than 6 months must reach 4,800 yuan. If this figure is not reached in one month or several months, there may be loopholes when approving loans.
I want to borrow 800 thousand. Can I borrow it?
If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank outlets. Each loan project requires different conditions and application materials. Please dial 95555 at 8:30- 18:00, select "2 manual service-"1"personal banking-"4 "personal loan business to enter manual service, and provide detailed information on loan purpose and city. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.