Bank loan threshold of Guiyang: 1. Applicant 18-60 years old. Second, you need to have a permanent residence in Guiyang and live there for a long time. Third, you need to open a personal settlement account in Guiyang Bank. Four, the applicant should have a legitimate occupation and a stable source of income, with the ability to repay on time. Five, the applicant has a good credit, no overdue and other bad credit records. Six, the applicant should be able to provide collateral approved by the bank. Seven, the loan is true and legal.

Meet the above conditions can apply for a loan in Guiyang Bank.

Conditions, Information and Application Process of Converting Commercial Loans into Provident Fund Loans-Guiyang

Generally speaking, there are two kinds of housing loans: commercial loans and provident fund loans. Many friends want to convert their loans into provident fund loans after handling commercial loans. Here, I would like to introduce the conditions, materials and application process of transferring commercial loans to provident fund loans to friends in Guiyang.

Employees applying for public loans shall meet the following conditions:

1, which meets the loan conditions of housing provident fund in this city;

1. The house purchased is in Guiyang, and the commercial housing mortgage loan has been handled in the commercial bank, and the loan and mortgage registration procedures are complete;

2. The applicant and his spouse have a good reputation and can repay the principal and interest when they have the ability. During the repayment period, there is no credit record that is overdue for 3 consecutive periods and accumulated for 6 times;

3. The original lending bank has agreed to prepay.

Ways for employee applicants to turn to public loans

1. If the employee's original housing mortgage loan bank is CCB, ABC or ICBC, he/she shall apply to the original loan bank for transferring the loan to the public;

2. If the original housing loan bank is another bank, apply to Guiyang Real Estate Guarantee Company; Business-to-public loans.

Information required for employee applicants to transfer to public loans

1. Fill in a complete application form for Guiyang housing provident fund loan;

2. The original and photocopy of the ID card and household registration book of the applicant and spouse or * * * *;

3. Proof of the marital status of the borrower;

4. Original commercial loan contract and balance list;

The loan amount and term of corporate loans.

1. Loan amount: no more than the loan principal balance of the original commercial bank, with a maximum of 450,000.

2. Loan term: no more than the remaining years of the borrower's original mortgage loan, with a maximum of 30 years.

The processing flow of corporate loans is as follows:

1. The processing flow of commercial-to-public loans handled by banks is as follows: (1) Apply for commercial-to-public loans from lending banks; (2) After the bank accepts the audit, it shall report to the Municipal Provident Fund Center for approval; (3) After approval, the bank signs a loan contract with the applicant, handles the mortgage change registration and issues loans.

2. The process of handling the commercial-to-public loan handled by the real estate guarantee company is as follows: (1) The borrower applies to the guarantee company, and the guarantee company conducts the preliminary examination; (2) After passing the preliminary examination, report to Guiyang Provident Fund Center for approval; (3) After approval, the bank signs a contract with the applicant to issue loans; (4) The guarantee company handles the mortgage change.

What are the conditions and needs of Guiyang housing loan?

In line with the local housing policy, the age plus loan period is not more than 70 years old. At the same time, you need to provide proof of use, proof of identity, proof of income, etc. , and contact a loan manager for consultation.

If you need to apply for a first-hand real estate loan, you can first confirm with the developer whether there is a cooperative relationship with our bank. If so, you can directly contact the resident staff of the real estate and give the information to the staff. If not, you need to contact the personal loan department at the local counter directly to provide personal information and the status of the purchased property before you can apply.

If you need to apply for a second-hand real estate loan, you usually apply for a loan from the bank first, and then go through the formalities of property transfer. You can provide your specific information and purchased property by contacting the local counter personal loan department, and the counter personal loan department will review your comprehensive situation to determine whether you can handle it.

Calculation formula of Guiyang provident fund loan amount (with loan amount calculator)

I. Calculation formula of personal housing loan amount of Guiyang housing provident fund

Since 1, April, 20265438, the personal housing calculation formula of Guiyang housing provident fund has been adjusted to: loan amount of housing provident fund = monthly deposit base of loan employees (couples) × 12× repayment ability coefficient (30%)× loan years × deposit balance of loan employees (couples) ×5.

Two, Guiyang city housing provident fund application conditions

Workers who pay housing provident fund can apply for housing provident fund loans if they buy, build, renovate or overhaul their own houses in this city.

To apply for housing provident fund loans, the following conditions shall be met:

(a) the continuous deposit of housing provident fund has reached the statutory time limit;

(2) Having full capacity for civil conduct;

(3) Having the ability to repay the principal and interest of the loan;

(4) Having a good credit record;

(5) Having a house purchase contract or other approval documents that meet the relevant laws and guarantee conditions;

(6) The down payment for house purchase shall not be less than the payable amount calculated according to laws and regulations;

(seven) other conditions determined by the Municipal Provident Fund Management Committee.

Employees who apply for housing provident fund loans shall go through the loan procedures at the city provident fund center in accordance with the norms.

The municipal provident fund center shall make a decision on whether to grant the loan within 15 days from the date of accepting the loan application. If the loan is granted, the entrusted bank shall handle the loan formalities; If the loan is not granted, the reasons shall be explained to the applicant.

So much for the introduction of loan term in Guiyang.