It is ok to have a guarantor to prove your financial resources. Can you mortgage your house? But my real estate license hasn't come down yet.
If the house can be mortgaged, tell him that the real estate license has not come down, and he should be able to find it.
Hmm! thank you
In fact, looking for a friend's company or something, just get a proof of income.
Second, I don't have a stable job and a house in the countryside, but I have some savings. I want to spend some money on a car. Can I buy a car by mortgage?
This problem is a highlight of the No.1 Document of the Central Committee of 20 10. For the first time, it is proposed to eliminate the blank villages and towns in basic financial services within three years. Implement and improve policies such as tax incentives, targeted cost subsidies and incremental incentives for agricultural loans; Further improve the policy that the newly-increased deposits of banking financial institutions in the county are mainly used for local loans. Encourage rural financial institutions to provide consumer credit for farmers to build houses, buy cars and household appliances, and increase the credit for opening farm shops. When interpreting Document No.1, relevant experts pointed out: "It is a major project to benefit the people to let farmers enjoy financial services, especially large-scale housing, automobiles and household appliances services. Farmers can borrow money to build houses, which is a major policy breakthrough. This policy, such as Archimedes fulcrum, can pry up the rural consumer market that they could not afford in the past. Because farmers spend 90% of their investment in building houses, building houses for generations basically depends on accumulation. If farmers can solve the housing problem through loans, they can have spare money to spend. Urban residents have enjoyed the benefits of mortgage loans for a long time, and they repay some loans every year, hardly eating or drinking, so they don't have to spend all their energy on building houses. Because farmers are subject to rural collective land ownership, their houses cannot be mortgaged, so they are not supported by loans. However, many pilot projects have been carried out in various places, breaking through the policy provisions. After all, for many places, this is a win-win problem. Farmers have solved the problem of building houses, and financial institutions can also have business. "In fact, Jiangxi Rural Credit Cooperatives piloted farmers' housing loans as early as 2006. 20071October 28th 10, Shi Tao. Com reported: "After a year of successful pilot, Jiangxi Province will soon fully promote farmers' housing loans in rural areas. This is what the reporter learned from the Provincial Rural Credit Cooperative Association on the 4th. It is reported that the Provincial Rural Credit Cooperatives Union launched this financial product, which is the first case in China. In May last year, Ganzhou Office of Jiangxi Rural Credit Cooperatives Association launched an investigation on the loan demand of farmers to buy houses and build houses in this city. Different from the housing mortgage loan for urban residents, the housing loan for farmers is a kind of credit loan. According to the person in charge of the Provincial Association, farmers' housing loans must meet the following conditions before they can be issued: farmers' housing purchases are ordinary farmers' houses that conform to the overall land use planning and the planning of villages and market towns, including commercial houses, farmers' apartments and ordinary farmhouses in the planning area for the establishment of new countryside; Farmers who apply for loans have no bad credit records and have a stable source of income; The loan amount generally does not exceed 50% of the total amount of housing purchased. It is reported that this work will begin in mid-June. " As for whether we can lend now, it depends on the conditions for local financial institutions, especially rural credit cooperatives, to implement the central policy. The reform of rural property right system implemented in Chengdu has confirmed the rights of rural houses, homesteads and contracted land, and created conditions for rural mortgage loans. Therefore, loans can be made in Chengdu and some pilot areas. We also believe that the central government's policy of benefiting the people will be implemented throughout the country in the future.
I am a farmer. Can I get a loan to buy a car?
Farmers can also borrow money to buy a car. You can go to the place where the car is sold for detailed consultation. But not every car can apply. If you can handle automobile mortgage, you can directly entrust the staff in the automobile sales company to handle it. Specifically, you should go to the car sales company for consultation.
4. Can farmers borrow money to buy cars?
Farmers can also borrow money to buy a car. Bank loans do not distinguish between rural people and urban people. As long as you meet the application conditions for loan purposes, the bank will lend money, so you can also apply for a loan. But you can't apply for more than you can afford. For example, if your monthly income is 5,000 yuan now, your monthly repayment amount can't exceed 3,000 yuan, otherwise you can't afford it, and the bank won't approve you.
If you need a loan, but don't know which bank is suitable for you, or which bank's loan quota is full in the current month, you can apply to the bank through Easy Loan China. You only need to submit your application online, and Easy Loan China will review it for you. After approval, Easy Loan China will submit your application to your local bank credit department for verification. After verification, the credit department of the bank will contact you to sign a contract, open a loan card and issue a loan.
The application address of Easy Loan China.
/quickloan/index.jsp？ Dashi = Fall in love with summer.