Conditions for applying for loan business:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
What are the requirements for a loan from Bank of China in Nanning, Guangxi?
The personal housing loan of China Bank refers to the loan issued by our bank to the borrower for the purchase of housing. Individual housing loans are divided into self-operated housing loans, entrusted housing loans and portfolio loans.
Self-employed housing loan
Self-operated housing loan is a loan to individual buyers for housing purchase based on bank credit funds.
Potential borrower
A natural person with full civil capacity.
deadline
The longest loan in RMB shall not exceed 30 years, and the longest loan in foreign exchange shall not exceed 5 years.
loan rate
The loan interest rate of self-operated housing is implemented according to the loan interest rate stipulated by the People's Bank of China. Personal housing loans issued in foreign currency shall be subject to the loan interest rates of corresponding grades published by Bank of China.
loan currency
Self-employed housing loans can be in RMB and foreign currency, and foreign currency loans should be targeted at overseas Chinese, Hong Kong and Macao compatriots, employees of foreign companies with high economic income and repayment sources, and have reliable guarantees.
amount of loan
The amount of a single loan shall not exceed 80% of the appraised value of the house purchased, and shall not exceed the maximum loan limit stipulated by the lending bank.
Guarantee mode
The loan bank should choose the guarantee method of individual housing loan according to the specific situation. Including:
1. Mortgaging the property of the borrower or a third party (including legal persons and natural persons);
2. Take the property of the borrower or a third party (including legal persons and natural persons) as collateral, including the house purchased with the loan as collateral;
3. Third-party joint liability guarantee;
4. Ensure integration. If the value of the collateral or pledge provided by the borrower is less than the loan amount, the third party's joint liability guarantee may be increased;
5. The borrower purchases comprehensive credit insurance.
loan application
Materials to be provided for applying for individual housing loan:
1, ID card (refers to resident ID card, household registration book or other valid residence documents)
2 proof of the borrower's family's stable economic income;
3, in line with the provisions of the purchase contract, letter of intent, agreement or other approval documents;
4. List of collateral or pledge, proof of ownership and proof that the person with the right to dispose agrees to mortgage or pledge;
5 collateral appraisal certificate issued by the competent department;
6. The guarantor agrees to provide a written guarantee document and a credit certificate of the guarantor;
7. Other materials required by the lender.
Entrusted housing loan
Entrusted loans for individual housing refer to loans granted by banks to individuals who purchase ordinary housing as required, with provident fund deposits as the source of funds, as entrusted by the provident fund management department.
Potential borrower
Natural persons with full capacity for civil conduct, housing provident fund depositors who deposit housing provident fund in the fund management center and retired employees of remittance units.
deadline
The longest loan shall not exceed 30 years.
loan rate
The loan interest rate is subject to the housing provident fund loan interest rate stipulated by the People's Bank of China.
loan currency
Renminbi.
amount of loan
The amount of a single loan shall not exceed 80% of the appraised value of the house purchased, and shall not exceed 390,000 yuan.
Guarantee mode
1, mortgage plus general guarantee;
2. Mortgage plus comprehensive insurance for house purchase;
3. Pledge guarantee;
4. Joint and several liability guarantee.
loan application
Materials to be provided for applying for individual housing loan:
1, valid ID card, household registration book and marriage certificate;
2, the loan application form filled in and sealed by the unit;
3. Purchase contract or letter of intent;
4. If there is a guarantee, issue a letter of guarantee that the guarantor agrees to guarantee;
5. Other materials required by the managers of the fund management center.
Personal housing portfolio loan
Personal housing portfolio loan refers to the loan that the bank issues to the same borrower from provident fund deposits and credit funds to purchase self-occupied ordinary housing. It is a combination of personal housing entrusted loan and bank self-operated loan.
What are the requirements for Nanning 40W loan?
Lender's requirements:
1, natural person aged 18-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2. Have a stable occupation, stable income and the ability to repay the loan principal and interest on schedule.
3. The borrower's actual age and loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1, ID card of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.
2. Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3. Proof of income (format stipulated by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Personal loan object and conditions
1. Loan target:
1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;
2. Pay the down payment (not less than 30% of the total purchase price);
3. Have a stable economic income and the ability to repay the loan principal and interest;
4. Agree to use the purchased property as loan collateral.
2. Meet the following conditions at the same time:
1. Purchase commercial housing designated by the bank in this city with legal household registration book (not limited to this city), ID card or business license, certificate of legal representative or legal residence permit and passport;
2. Open a deposit account in a bank with a deposit balance of not less than 30% of the house to be purchased;
3. Having valid purchase contracts, agreements and other supporting documents;
4. Agree to mortgage the property under the purchase contract;
5. Willing to perform all the terms of the loan contract;
6. Other conditions stipulated by the bank.
3. Information to be published and provided:
1. Original and photocopy of resident ID card;
2. The original and photocopy of the house subscription book;
3. The original and photocopy of the down payment;
4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.
How to apply for a regular bank in Nanning? The truth is 250 points. Get out of the way.
Just now, it was a double tone of deposit and loan, and now the loan interest has gone up.
There are only a few kinds of loans, and the best, fastest and safest one should be mortgage.
If you have no mortgage, you only have credit loans and secured loans.
Credit loan. Tell the truth. Loans are not easy. I work in a bank. Credit loans in our banks are generally approved by skilled people, and acquaintances are all affiliated with civil servants or institutions and finance. And now it's close to the end of the year. Generally speaking, lending should be active in the first half of the year, and lending in the second half is not good.
Secured loans unless your guarantor is a deterrent.
Besides, you have acquaintances in the bank.
All in all, not good.