The specific banks are as follows: Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank, China Bank, Bank of Communications, Hangzhou Bank, China CITIC Bank, Shanghai Pudong Development Bank, Huaxia Bank, China Merchants Bank, China Everbright Bank, Industrial Bank, Zheshang Bank, Bank of Beijing, Postal Savings Bank, Minsheng Bank, Hangzhou United Bank, Bank of Ningbo, Shanghai Bank, China Guangfa Bank and Jiangsu Bank.
Is there an age requirement for Hangzhou mortgage? Can retirees apply for loans?
You can borrow money, and the term of knowledge loan will not be too long. After all, the bank will consider your actual repayment ability. The older you get, the greater the risk of the bank. Loan period =65- Lender's age. Actually, it has little to do with retirement or not. Now some banks have raised the maximum repayment age to 70 years old, which means that before 70 years old, other loan conditions of your bank can be loaned. ICBC will extend the maximum age of individual housing loan borrowers from 65 to 70, and the sum of the borrower's age and the loan term shall not exceed 75 (that is, the maximum repayment age can reach 75). At the same time, the maximum term of individual housing loans is still 30 years, and there is no change. If you apply for a personal loan in China Merchants Bank, at present, China Merchants Bank stipulates that the age of the lender must be 18 years old, and the loan age must not exceed 70 years old. To apply for a housing loan at China Merchants Bank, you must comply with the local housing purchase policy, and the age plus loan period shall not exceed 70. At the same time, you must provide proof of identity, proof of use, proof of income, etc. , and contact the loan handling bank for consultation.
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How much can Hangzhou provident fund loan borrow?
According to the regulations of Hangzhou, those who apply for provident fund loans must pay the provident fund 1 year or more. After working in Hangzhou, you need to provide the certificate of housing provident fund deposit issued by the foreign provident fund management department. After paying the provident fund normally in Hangzhou, you can calculate the deposit time in Hangzhou. If the employee meets the loan application conditions, the maximum loan amount is 500,000 yuan. Employees and their spouses meet the loan conditions, and the maximum loan limit for each household is 800,000 yuan.
I am in Hangzhou and want to apply for a personal loan. Is there a loan specialist who knows the formal platform?
If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through the mobile banking app, or you can check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. T 1 day will be verified by phone, and the loan will be arranged after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.