The bank associates the repayment account of the lender with the deposit account. The balance of demand deposit in the lender's account will be regarded as "prepayment" by the bank, so the income of some deposits is equivalent to the loan interest rate. However, the proportion of deposits in loans is limited to 70% of the loan amount.
Based on the loan of 6,543,800,000 yuan, the loan period is 5 years and the loan interest rate is 5.4%. If the balance of the lender's deposit account is 500,000 yuan and the daily interest rate is 36.4 yuan, the actual annual interest rate of the loan is 3.9%, equivalent to 7.2 fold of RMB. If the account balance is 654.38+100,000 and the daily income is 70 yuan, the actual loan interest rate is 2.52%, which is equivalent to 4.6 times. According to the data of the Bank of East Asia, when the loan amount and deposit amount reach tens of millions, the five-year loan interest rate is 5.4% at first, and 4% for deposit, only 1.4%.
There are two kinds of housing loans, one of which can be paid in installments by credit card.
As follows: 1. Apply for personal credit loan for decoration; 2. Personal consumption loan decoration loan. The consumer loan here refers to the loan term.
The shortest half a year, the longest five years (including five years).
Securities mortgage loan, that is, real estate mortgage or application consumer loan. 3. Credit card home improvement staging; 4. Besides traditional bank loans, loans from consumer finance companies are also one of the options.
Application conditions
1。 Have local permanent residency and valid identity documents;
2。 Have a legitimate occupation and stable income, and have the ability to repay the principal and interest of the loan.
3。 The borrower can provide relevant asset certificates, bank statements, tax certificates, etc.
4。 The purchase of new houses, should provide the purchase contract, purchase invoices and other information (or the original house decoration again). Property ownership certificate should be provided;
5. Other conditions stipulated by the Cooperation Organization.
Application material
When a lender applies for a decoration loan, it will generally provide the following materials to the bank:
1, valid ID card, resident residence permit issued by neighborhood committee, identity certificate and fixed residence;
(2) the certificate of professional and personal income issued by the unit, and the certificate of stable work for more than six months in a row (or the monthly salary documents provided by the unit in recent months) to prove its repayment ability;
3. Proof of deposit of housing provident fund;
4. Real estate certificate of real estate mortgage (required for mortgage loan);
5. Bank deposit slips, utilities, etc. To prove its credit quality;
6. Sign the "renovation contract" and "Purchase of Decoration Materials Contract" with the decoration company to prove the purpose of the loan;
7. A copy of the business license and qualification certificate of the decoration company, which proves whether the partners are within the specified scope;
8. Other conditions required by banks or financial institutions.
Tubatu Online provides you with "every decoration quotation, 1-4 local decoration companies, 3 sets of decoration design schemes" and the decoration pit avoidance strategy for free! Click this link:/Zhu Ye /zxbj-cszy.php? to8to _ from = SEO _ zhidao _ m _ jiare & amp； Wb, you can get it for free ~