How to borrow a bank loan?
1. Risk loan
Venture loan refers to a special loan issued by an individual who has a certain production and operation ability or has engaged in production and operation activities, applies for the capital demand for starting or re-starting, and is recognized as an effective guarantee by the bank. Eligible borrowers can get a single loan of up to 500,000 yuan according to their own resources and repayment ability.
2. Mortgage loan
For those who need to start a business, they can flexibly use personal consumption loans to start a business. The mortgage loan amount generally does not exceed 70% of the assessed value of the collateral, and the maximum loan amount is 300,000 yuan. Business needs to buy commercial housing along the street, you can apply for commercial housing loans from the bank with the proposed house as collateral. The loan amount generally does not exceed 60% of the appraised value of the proposed commercial house, and the longest loan period does not exceed 65,438+00 years.
3. Pledged loan
In addition to certificates of deposit, personal loans can easily obtain certificates such as treasury bills and insurance company policies. 80% of the loanable deposit certificate amount of the pledged loan; 90% of the denomination of the national debt that can be loaned by the national debt pledge loan; The amount of the loan pledged by the insurance company shall not exceed 80% of the cash value of the policy at that time.
4. Microfinance
According to the regulations, laid-off and unemployed persons under 60 years of age who are healthy, honest and trustworthy, and have certain labor skills, who are self-employed, start their own businesses or operate in partnership or organization, can apply for small-sum secured loans from commercial banks or their branches with the re-employment concession card issued by the labor and social security department. Entrepreneurs can hire laid-off workers and apply for unemployment loans with a re-employment concession card after consultation.
How much can a bank loan borrow to buy a house?
If the personal loan amount is sufficient, the mortgage loan amount is 70% of the appraisal price. (The specific amount varies from bank to bank. If the loan amount is not enough for housing loan, the loan amount shall prevail. The loan amount depends on the following factors:
1. Due to the influence of the down payment ratio of loans, the amount applied for bank loans usually cannot exceed the difference between the total house price minus the down payment. The down payment ratio will be adjusted according to the property market. Restricted cities and non-restricted cities will be different, and different banks in the same area may be different. It is recommended that buyers fully understand the bank mortgage policy of the place where they buy the house and choose a suitable bank to apply for a loan.
2. The repayment ability mainly refers to the monthly income of the lender, because the monthly income directly reflects the repayment ability of the borrower. The relationship between loan amount and monthly income can refer to the following formula: monthly income and monthly mortgage payment X2.
3. When the bank issues loans, it will review the age of the loan house. Usually the requirement is 20-25 years, 30 years for a looser house and 15 or 10 years for a stricter house. The loan amount of second-hand houses with older houses may be reduced. In strict banks, loans will be refused. It can be said that the shorter the house age, the easier it is to get a loan, and the loan amount is higher than that of an older house.
4. Personal credit information can be said to be one of the important criteria for banks to consider borrowers. Good credit information is a prerequisite for obtaining preferential interest rates and loans. Some banks will look at the credit card credit records of borrowers within two years and the loan credit records within five years. Some banks will look at the credit records for a longer period of time, and the requirements are different. Serious overdue credit reports for three consecutive times and six times in total may lead to loan rejection.
To sum up, this paper mainly talks about how to borrow bank loans and how much bank loans can be used to buy a house. There are still many types of loans, and the processes of provident fund loans and commercial loans are different. Specifically, the loan bank shall prevail. After all, every bank will have its own corresponding regulations now.