The rural commercial bank has repaid the line of 1.5 million. How much can it borrow?

In many loan businesses of banks, the application conditions are clearly stipulated. bank loan

Different from private loans, the conditions of bank loans have always been strict, and only applicants can apply after they meet the conditions. In most cases, there are many types of bank loans with different amounts. Then, how much can rural commercial banks borrow from personal loans?

1. The loan amount of individual student loans of rural commercial banks is 50,000. The minimum loan amount that can be applied for is 50,000, and the maximum loan amount cannot exceed150,000.

2. Credit loan line Personal loans are not allowed to exceed 654.38+0 million, and the applied loan line cannot exceed the borrower's family net assets.

10%.

3. If there is a guarantor to apply for a secured loan, the maximum amount that can be applied for cannot exceed 6,543,800 yuan+0.5 million yuan.

Generally speaking, the amount of personal loans that rural commercial banks can apply for depends on the applicant's application type. Different applicants can apply for different loan amounts.

The better the user, the higher the loan amount you can apply for. It should be noted that after the lender accepts the borrower's application, the bank will evaluate the borrower's credit rating.

And the legality, safety and profitability of the loan.

What is the maximum loan amount of Qujing commercial bank's good house fast loan business?

3 million yuan. Qujing City Commercial Bank has a maximum loan amount of 3 million yuan for good housing and quick loan business. Loan is a form of credit activity in which banks or financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

What does the bank loan amount mean?

What does the bank loan amount mean?

The loan limit refers to a management method that the central bank uses mandatory plans to limit the total or maximum loan amount of national banks in one year. China began to manage the loan line from 1985. Loan quota management is still an important tool for China's central bank to control the total credit scale and adjust the money supply.

The loan limit refers to the management means that the central bank uses mandatory plans to limit the total amount or maximum amount of loans of national banks in one year. There are two ways: the maximum loan limit of the central bank to financial institutions and the loan limit of the central bank. The maximum amount of loans to financial institutions is the total "cage" for controlling loans. The central bank's loan limit is the general name for the people's bank of China to finance commercial banks and non-bank financial institutions with the function of "lender of last resort", and it is the decisive factor of the total credit scale in China.

What does it mean to increase the amount of bank loans?

You can mortgage the house directly.

What does the idle loan line mean?

Idle loan line means that the financial institution gives the loan line, but the borrower is useless, that is, the bank gives the line space, and the customer is useless and idle. This idle line did not bring income to the bank, but occupied the cost.

What does it mean that the bank loan line is valid for 3 years?

That is, you have to pay it back within three years, or you will deduct the mortgage if you don't pay it back.

What is the bank loan amount?

Is the number of loans that can be applied to the bank.

The amount of bank loan is generally determined according to the applicant's financial situation and credit situation, and there are many reference factors, such as the nature of the customer's work, education, income, personal stability, personal social credit and the use of other financial products.

Conditions for applying for bank loan business:

1, 18 to 65 years old natural person;

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, no bad records, and legal use of the loan;

5. Meet other conditions stipulated by the bank.

If you meet the above conditions, you can apply for a loan business at a local bank.

To apply for a bank loan, you need to prepare materials:

1, valid ID;

2. Proof of permanent residence or valid residence, and proof of fixed residence;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Loan use plan or statement;

8. Other information required by the bank.

20 18 how much is the bank loan?

If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. Information such as the execution interest rate, amount, loan term and repayment method of your specific loan application need to be determined after the handling bank specifically examines your comprehensive information after you apply for a loan.

Please dial 95555 to choose 3 people to serve -3-3-8 to enter the manual service to provide loan purpose and city details.

What is the loan amount of Langfang Bank?

The loan amount needs to be determined according to the lender's purpose, repayment ability and repayment reputation. It is suggested that the specific bank loan amount shall prevail.

What are the bank loan rules? How to calculate the loan amount

If you have our bank in your city, you can try to apply for personal mortgage loan through our bank (generally using real estate as collateral). The required conditions, application materials and handling procedures of each loan project are different. For details, please call the customer service hotline or contact the personal loan department of the outlet. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.

"Mortgage rate" is as follows: 1. With "commodity housing" as collateral, the maximum loan/credit line shall not exceed 70% of the present value of real estate appraisal; 2. If the "commercial house" is used as collateral, the maximum loan/credit line shall not exceed 60% of the net value of the real estate appraisal or 50% of the present value of the appraisal; 3. The credit line of the loan shall not exceed 50% of the transaction price of the purchased commercial house and 55% of the transaction price of the purchased commercial and residential dual-use house. Your specific loanable amount needs to be determined after comprehensive approval by outlets. Please contact the handling bank directly for confirmation.

What does it mean that the agricultural bank's quota expires?

The expiration date of the agricultural bank's quota refers to the validity period of this loan quota, and then re-apply after the validity period.

1. RMB time deposit certificate, including lump-sum deposit and withdrawal, deposit and interest withdrawal, large negotiable deposit certificate (registered), etc.

2. Voucher bonds: bonds issued by the Ministry of Finance after 1999 (inclusive).

3. Insurance policy: a life insurance policy with cash value and realizable at any time (except unsecured investment-linked insurance) with an insurance company that has established business cooperation with a bank as the insurer.

4. Gold: including physical gold and recorded gold. Physical gold includes physical gold (gold purity is above 99.95%) bought and sold by banks or agents, and physical gold (gold purity is above 99%) sold by non-banks; Book-entry gold pledge is currently limited to the book-entry gold business opened by our bank.

5. Other rights certificates that can be pledged as stipulated by the Agricultural Bank.

What is the limit of commercial loan?

Because the loan banks are different, the loan amount is also different. According to the risk control standard of the loan company, the amount of commercial loans cannot exceed 70% of the value of real estate assessment, and 70% only meets the risk control standard, which does not represent the final mortgage rate. Commercial loans generally include personal housing loans and commercial loans. Different types of commercial loans have different amounts.

First-hand personal housing loan amount: if the first-hand personal housing loan amount is mortgaged by the purchased commodity housing or other commodity housing, the mortgage rate shall not exceed 80% at the highest. To apply for personal self-built housing loans, the mortgage rate shall not exceed 70%.

Commercial loan amount: the maximum amount of personal commercial loan can reach 3 million yuan.

Where pledge guarantee is adopted, the pledge rate shall be implemented in accordance with the relevant regulations of the loan bank, and the loan bank will review the amount applied by the borrower according to the specific circumstances, and the borrower needs to take the actual loan amount as the standard.

Agricultural Bank of China provides family farm loans to farmers with a maximum loan amount of100000 yuan. With family farms, borrowers who need loans can go to the Agricultural Bank of China to handle specific loan matters. The loan amount of each lending bank is different and cannot be generalized.

The limit of commercial loans is only a reference value, and few commercial loans can really reach the limit.

What is the loan amount of rural commercial banks in 2022?

300 thousand yuan. The loan amount of the rural commercial bank shows that it is 30,000, and the maximum 300,000 needs mortgage. Ruralcommercialbank, referred to as rural commercial bank for short, is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.

What is the maximum amount of bank mortgage?

Provisions on loan amount:

The amount of bank mortgage is comprehensively calculated according to factors such as house price, loan term, repayment ability and loan amount.

1. If it is a commercial loan, the maximum amount is 70% of the house price;

2. At the same time, the loan term cannot exceed 30 years. If it is a second-hand house, the loan period cannot exceed 30 years;

3. The loan term is determined, and the monthly repayment ability cannot exceed 50% of the family income.

Combining the above three factors, the minimum value is the maximum loan amount.

Details of the subjects:

Calculated by the loan term of 30 years, the amount of the main loanable provident fund is:

Sum of individual monthly contributions of the borrower and spouse to the provident fund ÷ actual contribution ratio × 12 (month )× 0.45 (repayment ability coefficient )× loan term (maximum loanable period):

That is,150 ÷ (150 ÷ 2000) ×12× 0.45× 30 = 32400 (yuan).

If you need a loan of 500,000 yuan, you need to apply for a commercial loan of about 6.5438+0.8 million yuan with a term of 30 years, and the loan interest rate is 4.9% of the benchmark interest rate.

According to the regulations, the monthly income of the lender is greater than or equal to the monthly mortgage payment X2, and the monthly income of 2000 can be satisfied.

Therefore, if the subject applies for both commercial loans and provident fund loans, he can borrow 500,000 yuan.

Extended data:

Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans.

According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased.

loan limit

Maximum loan amount of housing provident fund

1. The loan amount shall not exceed the borrower's family repayment ability within the loan period.

Loan amount = total monthly salary of the borrower and his/her spouse × repayment ability coefficient of employees × 12 (month )× loan period. The repayment ability coefficient of employees is determined according to the different loan years, which is 35% in 1 to 10 and 40% in1to 30 years. Total monthly salary = monthly contribution of individual account housing provident fund ÷ (unit contribution rate and individual contribution rate)

For example, the monthly housing provident fund deposit in the borrower's housing provident fund account is 160 yuan, the individual and unit deposit rates are 8%, and the monthly housing provident fund deposit in his spouse's housing provident fund account is 286 yuan, and the individual and unit deposit rates are 13%, so the borrower's monthly salary is160 ÷ (8% 8%.

2. The loan amount shall not exceed a certain percentage of the house price.

For the purchase of commercial housing, cooperative housing, affordable housing (housing) and self-built housing, the loan amount shall not exceed 70% of the house price or construction cost;

Now living in public housing, renovation of housing, overhaul of self-housing, the loan amount shall not exceed 50% of the housing price or housing repair costs;

The loan amount for purchasing private houses shall not exceed 70% of the appraised value and transaction price of the houses;

The loan amount for the replacement of public housing shall not exceed 50% of the compensation fee for the replacement of public housing assessed by the replacement enterprise, and if the property right of public housing is purchased at the same time, the loan amount shall not exceed 50% of the compensation fee for the replacement of public housing assessed and the total sales price of public housing.

On March 30, 20 15, the central bank issued a notice: households with 1 apartment and outstanding mortgage apply for commercial loans to buy ordinary self-occupied houses again, and the minimum down payment ratio will be reduced to not less than 40%;

Use the provident fund loan to purchase the first set of ordinary self-occupied housing, and the minimum down payment ratio is 20%; Those who own 1 apartment and have settled their mortgage will apply for provident fund loans again to buy ordinary self-occupied housing, with a minimum down payment ratio of 30%.

3, the loan amount does not exceed a certain multiple of the balance of housing provident fund deposits.

The loan amount shall not exceed 15 times of the balance of the housing provident fund paid by both husband and wife of the borrower.

4. The loan amount shall not exceed the maximum loan amount determined by the leading group for housing reform.

Organs, organizations, institutions, domestic-funded enterprises in accordance with the unified provisions of this Municipality to pay housing provident fund, or in accordance with the provisions of the approval to reduce the proportion of housing provident fund deposit, the maximum loan amount is 6.5438 million yuan;

Where the deposit ratio of any unit or individual of the borrower's husband and wife exceeds the deposit standard of organs, organizations, institutions and domestic-funded enterprises uniformly stipulated by our city, that is, the deposit ratio before July 2000 is higher than 7%, and the deposit ratio after July is higher than 8%, and the maximum loan amount is 6,543,800 yuan+0.2 million yuan.

Our city stipulates that the housing accumulation fund deposit ratio of foreign-invested enterprises is higher than that of domestic-funded units. Therefore, where foreign-invested enterprises and their employees pay the housing provident fund according to the prescribed proportion (the proportion before July 2000 was 12%, and the proportion after July 2000 was 13%), the maximum loan amount was 120,000 yuan.

The maximum amount and multiple of the balance of housing provident fund paid by both husband and wife of the borrower shall be adjusted by the leading group for urban housing system reform in accordance with the actual situation.