The first two articles have written seven sections on loans and part on housing mortgage loans. Let's talk about car loans and credit loans today.

as the name implies, a car loan is a car mortgage loan. There are two main types in the market, those with car insurance, that is, those who can't use the car for repayment of the loan. The second is that you can still use the car before repayment, but do you want to install gps? Vehicle mortgage loan, the general amount is 8% of the bare car price, and some can reach 9%, which is related to the car condition.

1. The vehicles applying for car loan are generally full-time vehicles; You can review the mortgage loan first, and then release the loan after the mortgage loan is settled.

2. The vehicle requirements for applying for car loan are generally family bridge vehicles; Operating vehicles such as trucks, trucks and buses cannot apply for the exam.

3. The basic information necessary to apply for a car loan includes the borrower's ID card, driving license and vehicle registration certificate.

4. The annual interest rate of car loan is generally controlled at 14%-18.5%.

5. Apply for a loan by car, leaving only the contact information of the customer's spouse, without calling to inform the customer's spouse of the loan information. (Pay attention to families with their own cars)

6. Vehicles under the name of the company can apply for loans in the name of the company.

7. To apply for a car loan, the repayment method is only equal principal and interest.

Credit, as its name implies, is a loan that is directly extended by a lending institution according to your assets, income and repayment ability. There is no property mortgage. Pay special attention here. When you apply for a credit loan, the account manager will still ask you about your house, car, insurance policy, provident fund, monthly income and so on. As your asset judgment. There is a misunderstanding here. Many people think that I can apply for a credit loan as long as the quality of credit information is high. Actually, it's not. When lending, the first thing to look at is the repayment ability, followed by the willingness to repay. Factors affecting repayment ability include but are not limited to your existing assets (house, vehicle, insurance policy, deposit certificate, provident fund), the nature of your work unit, monthly income, liabilities, etc. What affects repayment willingness is credit information, including overdue information and inquiry times. Of course, if the credit information is too poor, it means that you are unwilling to repay. At this time, you can only make mortgage loans, not credit, or even mortgage.

the following categories of assets are used as credit loans, and the credit precautions are introduced respectively.

1. To apply for monthly mortgage loan, the applicant must be the main lender of mortgage housing loan, and only some banks can accept the application of sub-lenders, with strict requirements.

2. enlarge the monthly supply. The longer the mortgage time, the higher the magnification and the higher the loanable amount. Generally, it can be enlarged to 1 times when the mortgage is more than 3.

3. Apply for a loan with a monthly mortgage. General credit information shows that you can apply after one month of repayment.

4. Apply for the owner's loan in full. Customers can only hold real estate licenses, and special types of real estate, such as resettlement houses and self-built houses, must be listed and traded before they can handle property transfer. Some banks require them to hold a license for one year.

5. Not only can the mortgage house apply for expanding the monthly payment, but the mortgage house can also apply for expanding the monthly payment with the same principal and interest, paying the interest first and then the principal.

6. The owner's loan application is limited, with a maximum loan of 5,.

7. The owner's loan is a credit loan. The loan term of all credit loans is generally 1-3 years, 3 years is common, and the longest term is 4 years (48 periods).

8. The annual interest rate of owners' loans is generally controlled at 12%-24%, and individual banks can pay interest first and then the principal.

1. Generally, applying for a tax bill loan requires the customer's business license to be over two years.

2. If an enterprise breaks the invoice three times in a row and applies for a tax bill loan, it is easy to be refused the loan.

3. The enterprise's tax payment level is divided into five levels: AB MCD, which is generally required to be above C level.

4. If the enterprise applying for the stamp loan belongs to the business, transportation, construction, high-tech, production and processing industries, the application success rate will be higher.

5. If there is a lawsuit in North America

8. To apply for a loan with a corporate bill, the annual bill needs RMB 3 million, and the bill information in the last 24 months needs at least 18 months.

9. To apply for a loan with corporate tax, the annual tax amount must be at least 4, yuan, and the tax records of the last 12 months should be kept. 1. Generally, small-scale taxpayers can only apply for tax loans. Ordinary taxpayers, tax loans, and ticket loans are all acceptable.

1. To apply for a loan with a policy, the applicant must be the insured, not the insured.

2. The longer the policy payment period, the higher the payment times, the higher the magnification and the larger the loanable amount, and the maximum loan amount of the policy is 5,.

3. If the policy is terminated or reinstated, you can apply for a loan after one year. If it is paid in one lump sum or has been paid in full and exceeds the time limit, you cannot apply for a policy loan.

4. Most of the policy loans are traditional life insurance policies, and only some are dividend-paying life insurance policies and universal life insurance policies.

5. The amount of a policy is small, which affects the loan amount. Multiple policies can be superimposed, and conventional banks can apply for three policies to be superimposed.

6. Policy application for loan does not need to pledge the customer's original policy, which will not have any impact on the policy. Many insurance policies can be verified online, and there are electronic versions.

7. Policy loans can only be repaid with equal principal and interest, and the annual interest rate is generally 15%-24%.

8. To apply for a loan with a policy, the bank requires that the policy be paid more than 3 times a year and 25 times a month, and the policy be paid more than 2,4 yuan a year and more than 2 yuan a month.

The provident fund credit loan here is not a provident fund housing loan. There is a difference between the two.

1. The annual interest rate of high-quality loans is generally 5%-12%, and you can repay the interest first and then the principal; Borrowing and paying back is a type of credit product with low interest.

2. The minimum requirement for applying for a high-quality loan is that the contribution base of the provident fund is more than 4,, the unilateral contribution is more than 38, and the continuous payment is 6 months.

3. The higher the contribution base of provident fund, the longer the payment time and the higher the loan amount. The loan amount is generally 1 to 2 times the balance of the provident fund multiplied by the time coefficient. Generally speaking, the highest quality loan customers can reach 5,

4. According to the nature of the company, the quality loan customers can be divided into three categories: ABC customers, A customers refer to civil servants and employees of public institutions, B customers refer to employees of state-owned enterprises and listed companies above the world's top 5, C customers refer to employees of ordinary limited companies, and some assembly line employees of large enterprises are also recognized as C customers. Generally, most quality loan products are imported into AB customers.

5. If the customer's provident fund is broken for more than one time, you can't apply for a high-quality loan

6. As long as the customer's provident fund payment is high and the payment time is long, most banks sign it alone and don't audit it by electricity

7. The general calculation formula of the provident fund base = individual contribution amount/provident fund contribution ratio D

If all of the above are available, congratulations, you can get a higher amount and a lower one. Related Questions and Answers: Related Questions and Answers: How to borrow money to buy a house correctly? What loan knowledge do you need to master?

thank you for inviting me.

it is a helpless move for young people to buy a house by borrowing money, but it is not so terrible to master the relevant knowledge of loans and use them correctly.

how to get the right loan to buy a house?

First, the first thing we should do is to face up to our own conditions, see how much money we can borrow, see how our repayment ability is, do what we can, and choose loans to buy a house under the pressure we can bear.

2. Choose a product that suits you

The amount of loan is not decided by yourself, but given by the bank. Then, when you buy a house, you can't choose a house that exceeds the loan amount. For example, the bank can only give you a loan of 5, yuan, but you choose to buy a house of 2 million yuan, which will not work.

Third, identify formal financial institutions and choose a professional platform

There are commercial loans and provident fund loans, and we also have a choice of loan sources when lending. Undoubtedly, it is right to choose formal financial institutions for loans. Be careful of the risks of private loans, don't think about usury, and choose a trusted expert platform for loans.

besides, what other loan knowledge do you need to master?

first of all, we need to check whether there is any problem with personal credit before we make a loan. Now, all loans are based on credit information. If there is a stain on your previous credit information, it will be more difficult to approve the loan.

Secondly, it is clear why the loan can't come down. There are many reasons why the loan may not come down, for example, the information you filled in before the loan is inaccurate or exaggerated, and the bank will not give you a loan; For example, if there is something wrong with your credit information, the bank will not give you a loan. In fact, the loan can't come down. Maybe not all bank loans can't come down. If this bank doesn't work, try another bank.

Finally, I understand the repayment methods of loans, including average capital and repayment methods with equal principal and interest, which are suitable for different people. Matching principal and interest is a fixed monthly repayment amount, but there are many repayment interests; Average capital's total expenditure is small, and the monthly repayment amount is not fixed. You can choose the repayment method that suits you, so the pressure will not be too great.

In addition, there is a lot of knowledge about loans. For example, you need to know the local policies to see if you are qualified to buy a house. For example, when lending, it is appropriate to choose 2 years or 3 years; For example, when you repay, can you repay in advance? These all need to be understood.

I hope the above answers are helpful to you.