forehead

That's true.

I'm from the bank.

Many banks have bad debts because of steel trade.

That's why this happened.

Then Fujian is also divided into regions.

Where the main steel trade is concentrated.

Float net

We mainly look at what's on your ID card.

If it weren't for those areas where steel trade is concentrated

You can still get a loan.

I'm from Shanghai Postal Savings Bank.

You can ask questions again.

As long as the qualifications can

You can apply for a loan.

How to treat loans to buy a house and CCB not to lend to Fujian people?

Conditions for buying a house with bank loan:

1, with legal residence status; To apply for a policy-based personal housing loan, you should have a local permanent residence;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There is an asset mortgage or pledge recognized by the loan bank, or (and) there is a guarantor who meets the prescribed conditions as its guarantee.

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for the purchase of housing in the Construction Bank. If you apply for a policy-based personal housing loan, you shall deposit the housing provident fund in the Construction Bank according to regulations;

7. Other conditions stipulated by the lending bank.

Second, what materials do you need for a bank loan to buy a house?

1, loan application form;

2. Subscription agreement or sales contract;

3. identification;

Identity certificates refer to foreigners' passports, Taiwan Province people's passports and household registration books, Hong Kong and Macao identity cards, home visit certificates and work permits. Marriage certificate refers to the registration certificate of the country where the buyer and spouse are located.

4 proof of income (including tax bill, bank deposit record and employer's confirmation).

Third, what is the process of buying a house with bank loans?

Step 1: The buyer and the seller prepare complete information to see a lawyer.

Step 2: the appraisal company evaluates the house, and the lawyer issues a legal opinion;

Step 3: The bank reviews the evaluation report and the president signs the loan.

Step 4: Loan.

Note: Banks have different information requirements for buyers and sellers, and the process details are also different. Please refer to the monthly loan handbook.

Four, the loan to buy a house to pay attention to the six major issues

1, the provident fund will not be used before the loan. If the borrower withdraws the balance of the provident fund savings to pay the house payment before the loan, then the balance of the provident fund in your provident fund account is zero, and your provident fund loan amount is also zero, which means that you cannot apply for a provident fund loan.

2. Don't repay the loan in advance within one year. According to the relevant provisions of provident fund loans, part of the prepayment should be made one year after the loan is paid off, and the amount you return should exceed six months.

Don't forget to find the bank around you if you have difficulty in repaying the loan. During the loan period, the repayment ability declines. When it is difficult to repay the loan, don't insist on it yourself. ICBC customers can apply to ICBC for extending the loan term. After investigation by the bank, ICBC will accept your application for extending the loan term, and there is no default of principal and interest.

4. Don't forget to inform when renting a house after the loan. When renting a mortgaged house during the loan period, the lessee must be informed of the mortgage facts in writing.

Don't forget to cancel the mortgage after the loan is paid off. When you have paid off all the loan principal and interest, you can go to the district or county real estate trading center where you lived before to cancel the mortgage with the bank's loan settlement certificate and other real estate rights certificates of the mortgaged property.

6. Don't lose the loan contract and IOUs. Applying for a loan, the loan contract signed between the bank and you, and the receipt are all important legal documents. As the loan takes a long time, as a borrower, you should take good care of your contracts and IOUs.

Five common loan discrimination

In the past, racial discrimination was very serious, and later it was treated equally, but it still existed. Some people are discriminated against when they borrow money. Have you seen them? Due to some restrictions, it is impossible to treat loans equally, and there will inevitably be some discrimination. Let's look at five common loan discrimination.

1, geographical discrimination: recruiting Fujian people.

The research article found that as far as China is concerned, an interesting topic is regional discrimination. This is mainly because China has a vast territory and a large population, and there are serious differences in development and cultural traditions between different regions, so the problem of regional discrimination is more common in China.

When it comes to regional discrimination, people will first think of people from Northeast China, Henan and Guangdong, but this time they are from Fujian. Not providing loans to Fujian people seems to be the "hidden rule" of some banks in Shanghai.

The reason why the bank refused to lend to Fujian people may be that some Fujian people engaged in steel trade in Shanghai defrauded Shanghai Bank of a huge loan a few years ago, and later they were unable to repay it, resulting in a large number of bad debts and heavy losses. However, this practice of these banks is obviously one-sided and generalizes individual behavior to groups.

2. Occupational discrimination: civil servants and employees of state-owned enterprises dominate.

In addition to geographical discrimination, occupation will also bring different degrees of discrimination. The survey found that civil servants, employees of state-owned enterprises, employees of listed enterprises or top 500 enterprises are the groups with the highest approval rate of the three types of loans. Relatively speaking, the success rate of non-fixed occupational groups is only the success rate.

The power of the iron rice bowl is not only fully reflected in the success rate of loan application, but also in the loan amount and expected annualized interest rate concessions. There are great differences in the loan amount, expected annualized interest rate and application difficulty of different professional identities. Is it possible to determine whether to lend or not just by looking at the occupation? Is this a bit unreasonable?

3. Age discrimination: Middle-aged people are favored

It is found that borrowers under the age of 35 have a higher loan success rate, while borrowers over the age of 60 have a lower loan success rate. The older you get, the lower the loan success rate. The main reason is that the loan cycle of the platform is 3-5 years, so investors consider a certain life cycle cost.

4, loan account discrimination

In China, the registered permanent residence is the mother of all documents and always accompanies us. The registered permanent residence is divided into agricultural registered permanent residence and non-agricultural registered permanent residence. This word difference represents a big difference, so we will enjoy different treatment. Generally speaking, the policy of rural hukou is consistent with that of non-agricultural hukou. Rural hukou can apply for housing mortgage loans, but individual banks will discriminate in policies, which will reduce your loan ratio or increase the expected annualized interest rate of loans. In addition, most banks do not recognize the proof of income from different places, unless your unit is a national enterprise such as a public institution or a large state-owned enterprise. Another kind of loan related to hukou is the purchase of houses by provident fund loans in different places.

5. Single loans are discriminated against.

Single-person loans will be treated unfairly all over the world. The survey shows that the loan amount of single people is lower than that of married people. One of the criteria for mortgage issuance is risk and the other is mortgage. Married people are more willing to pay back than single people. From the perspective of loan suitability alone, married people can get the largest loan amount, and it is generally believed that couples have stronger repayment ability than single people.

It is believed that the existence of loan discrimination will limit the economic activities of lenders and affect the vitality of the whole national economy.

How to treat the bank's failure to lend to Fujian people

There is a kind of discrimination called geographical discrimination, which is not here. What we are talking about here is risk management and control based on statistical data. Hundreds of thousands of people in Fujian, led by Ningde, borrowed money from banks and refused to pay it back. They also accused banks of withdrawing loans and cutting off the capital chain. It is said that the total losses in Shanghai and surrounding provinces and cities are as high as hundreds of billions. Many banks, such as workers and peasants, have confessed, and many bank employees are miserable. Such a large-scale group regional risk leads to a very strict review of regional applicants.

Loans are equivalent to a voluntary business activity between buyers and sellers. It is understandable that banks are afraid of Fujian people and simply do not do business in Fujian.

The introduction of refusing to lend to Fujian people and how to refuse to lend to Fujian people ends here. I wonder if you have found the information you need?