Commercial housing loan is a kind of commercial loan with relatively low interest rate, but if you want to apply for a housing loan with lower interest rate, it is a provident fund loan. In order to enjoy low-interest loans when employees buy a house, many units have paid housing provident fund for their employees. Then, can I apply for a loan in CCB with a provident fund? What are the requirements? Let's take a look!
Application conditions
1. Housing accumulation fund needs to be paid in full and on time.
2. The borrower needs to have a stable job and a fixed source of income. And personal credit is good, have the ability to repay the loan principal and interest.
3. There are legal and effective contracts and agreements for the purchase and overhaul of houses and other supporting documents required by the loan bank.
4. There are self-raised funds above the minimum amount stipulated by the local housing provident fund management department, and they are guaranteed to be used to pay the down payment for the purchased (overhauled) housing.
5. There are assets that meet the conditions of mortgage or pledge, or (and) legal persons, other economic organizations or natural persons with sufficient compensation capacity as guarantors.
6. Meet other borrowing conditions stipulated by the local housing provident fund management department.
loan limit
The maximum loan amount shall be implemented in accordance with the relevant provisions of the local housing provident fund management department. Please call for details.
deadline
Within the longest loan period stipulated by the People's Bank of China, the local housing provident fund management department shall determine the loan period according to the actual situation of the borrower.
Repayment method
If the loan term is within 65,438+0 years (including 65,438+0 years), the method of repaying principal and interest at maturity shall be adopted; If the loan term exceeds 1 year, the repayment method of equal principal and interest, average capital repayment or other repayment methods recognized by the local housing provident fund management department shall be adopted. Second, which software can be quickly borrowed from 500 yuan or 1000 yuan?
If you apply for less than 50,000 yuan, you can log in to our mobile banking first, click "My"-"All"-"I want to borrow money" to try to apply through this interface, or apply for a loan through a credit card; Log in to Pocket Life, click Card Finance-Reserve Fund-Apply Now below, and try to apply for reserve fund here, depending on the audit results.
3. What loan software can be used to repay the loan instantly on the mobile phone? Only 1000 yuan is needed. ...
If you apply for less than 50,000 yuan, you can log in to our mobile banking first, click "My"-"All"-"I want to borrow money" to try to apply through this interface, or apply for a loan through a credit card; Log in to Pocket Life, click Card Finance-Reserve Fund-Apply Now below, and try to apply for reserve fund here, depending on the audit results.
4. Which software should I use to borrow 1000 on my mobile phone?
You can download the loan treasure with your mobile phone, fill in your real name and identity information, and lend money after approval. At first it will range from 1000 to 5000. If you have a car, you can register any car, so you can see your monthly repayment credit after applying for 5000, and increase the quota step by step.