In modern life, many people and families will face various difficulties. When they are in urgent need of money, choosing a bank loan is the safest way. In addition to well-known state-owned banks, many city banks also have good loan products, with low application threshold, simple procedures and low interest. Everyone can choose freely according to their own needs. Today, let's take stock of the bank loans in Beijing.
1, personal car loan
Many banks have car loans, and Bank of Beijing is no exception. As long as you meet the application conditions, you can apply for a car loan from the bank. The loan amount can be up to 80% of the purchase price of more vehicles, and the loan period can be up to 5 years. The repayment method can be equal monthly payment or equal principal repayment. You can choose the appropriate repayment method according to your own situation.
2. Student loans
At present, there are still many students who can't afford the high tuition fees. As long as your school is co-operated by Bank of Beijing, full-time undergraduate or junior college students, vocational students, graduate students and students with second bachelor's degree with financial difficulties can apply for this student loan, which can be used as a personal loan to pay tuition, accommodation and basic living expenses, and give students subsidies and a certain proportion of risk compensation during school, without any guarantee.
3, real estate mortgage consumer loans
As long as you have commercial housing approved by Bank of Beijing and some public houses that are allowed to be listed for mortgage, you can apply for this mortgage loan. The mortgage rate with the highest loan amount is 70%, and the longest loan period can reach 65,438+00 years. You can choose repayment methods such as matching principal and interest and average capital, which are suitable for users who need money badly.
How to handle mortgage loans and consumer loans?
First of all, let's understand what mortgage consumer loans are. It refers to a credit method in which a borrower applies for a loan from a bank with his own or a third person's property as collateral for comprehensive consumption such as buying a car and buying a house, and the borrower repays the principal and interest to the bank in installments or at one time. Lender and mortgaged house conditions: Lender conditions: 1. A natural person with full capacity for civil conduct, the actual age of the loan due date is generally not more than 65 years old; Secondly, there is a permanent residence in Beijing and a fixed residence; Have a legitimate occupation and a stable source of income, and have the ability to repay the loan principal and interest on schedule; Third, willing and able to provide real estate mortgage recognized by the lender; Fourth, some people in real estate * * * recognize their loan and guarantee behavior and are willing to bear relevant legal responsibilities. Conditions for mortgage of real estate: the property right of the house should be clear, meet the listing and trading conditions stipulated by the state, and can enter the real estate market without other mortgage; The house age (calculated from the date of completion of the house) shall not exceed 40 years; Mortgaged houses are not included in the local urban reconstruction plan, and there are real estate licenses and land certificates issued by real estate departments and land management departments; The owner of the collateral can be the borrower himself or others. If another person's property is used as collateral, the mortgagor must issue a written commitment to the borrower to apply for a loan with his property as collateral, and ask the mortgagor, his spouse or other property owners to sign it. There is a certain tax on adding or subtracting the name of the real estate license, but it is not worth mentioning for the property price. Article 402 of the Civil Code of People's Republic of China (PRC) mortgages the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5, and goes through the mortgage registration. The mortgage is established at the time of registration. Article 395 of the Civil Code of People's Republic of China (PRC) The following properties that the debtor or a third party has the right to dispose of may be mortgaged: (1) Buildings and other land attachments; (2) The right to use construction land; (3) the right to use the sea area; (4) Production equipment, raw materials, semi-finished products and products; (5) Buildings, ships and aircraft under construction; (6) means of transportation; (seven) other property not prohibited by laws and administrative regulations. The mortgagor may mortgage the property listed in the preceding paragraph together. Article 209 of the Civil Code of People's Republic of China (PRC) establishes, changes, transfers and extinguishes the real right of immovable property, which shall take effect after being registered according to law; Without registration, it will not take effect, except as otherwise provided by law. Natural resources owned by the state according to law may not be registered.
How to handle real estate mortgage loan?
According to the demand, how to handle the mortgage consumption of real estate has become an urgent problem for people to understand. The following is a detailed introduction. After obtaining the credit funds, the lender shall repay the principal and interest to the bank on a monthly basis within the agreed time limit. The mortgaged property can still be used or rented normally. Its main service target is those who are in urgent need of funds for various consumption or business. Real estate mortgage consumer loans are aimed at real estate with property rights and no other mortgage rights. After applying for a loan, the borrower can repay the monthly payment like a mortgage loan. The loan term is usually around 10- 15, and the longest is 20 years. In terms of interest, the interest of mortgage consumer loans is based on the bank's housing loan interest rate for the same period, and it is discounted or moderately floated according to the customer's credit status. Many investment guarantee companies have gained the full trust of banks in the standardized and efficient operation of post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good. Generally, banks can accept mortgage loans for real estate consumption, but if they pursue the speed of processing or a higher loan amount, they can seek the assistance of "real estate guarantee companies". It is worth reminding that due to the differences in loan products provided by domestic commercial banks and foreign commercial banks, there are great differences between banks in terms of interest saving, loan amount, approval procedures and speed. Consumers had better choose carefully under the advice of professionals. Beijing Wancai United Guarantee Company, which put forward the concept of "mortgage financing", once gave such mortgage financing advice: according to its own economic situation, choose different repayment products and repayment frequencies at different stages, and make early repayment under the advice of professional financial consultants (due to the reduction of the speed and frequency of early repayment and the number of years or loan amount after repayment, the final interest savings are different). The combination of real estate mortgage consumption loan and residents' personal real estate financial management concept is getting closer and closer. Beijing Wancai United Guarantee Co., Ltd., which first put forward the concept of "making real estate move", said that the combination of real estate mortgage consumption loan and real estate financial management concept is: "Mining the value of real estate held by residents through financial credit tools and satisfying residents' bulk consumption with real estate mortgage consumption loan. Generally speaking, mortgage is still the lowest cost financing channel.