Yantai Easy Money Loan is good and reliable. According to relevant information, Yantai Yilai Gold Loan is a professional comprehensive financial service platform operator, with many financial services, thinking from the perspective of consumers, and its after-sales service is also in place. In the process of operation, it has been operating legally and treating people with integrity, which is deeply loved and trusted by local people. Yantai Yilaixing Information Service Co., Ltd. was established on March 22, 2022, and its registered place is Wanda, No.2 Xiguan South Street, Zhifu District, Yantai City, Shandong Province.

What are the loan conditions for enterprises in Yantai, Shandong? Overview of loan process

Yantai, Shandong Province is a famous hometown of apples. Many enterprises can't operate in Yantai without financial support, some set up factories and some develop planting. The capital demand of enterprises is relatively large, at least hundreds of thousands, and they can only rely on loans. Many people will ask enterprises in Yantai, Shandong how to get loans. What are the requirements? Here is a brief introduction.

1. What are the requirements for enterprise loans in Yantai, Shandong?

Usually, corporate loans refer to operating loans, which are provided by many banks and loan companies. Although different loan channels have different requirements, the basic conditions can still be achieved.

The applicant is required to be a local individual industrial and commercial household in Yantai, or an enterprise owner or legal person, but must have good credit, whether it is a borrower or an enterprise, and provide information to prove the business qualification and revenue capacity of the enterprise. Business hours must also meet the conditions, and it is very important to pay taxes in good faith.

Enterprises with loan needs can look at Weizhong Bank's Wechat business loan, with a maximum loan amount of 3 million, a maximum loan period of 2 years and interest of 2-5/ day. They can apply directly online without mortgage guarantee, and the approval can be successful in 30 minutes at the earliest, which is suitable for enterprises urgently needed in Yantai.

Second, how to handle the enterprise loan in Yantai, Shandong?

1. Consult the lending institution to see if there are any loan products suitable for you, compare the application conditions, interest and information provided, and decide whether to apply.

2. After finding the product, you can submit the loan application offline or online, waiting for the approval of the institution;

3. The lending institution conducts a preliminary investigation to judge whether the repayment ability and data of the lender are normal, measure the loan risk and decide whether to approve the loan.

4. The institution signs a contract with the lender through preliminary examination, stipulating various terms, such as loan amount, interest, repayment method, loan term, etc. And then lend.

5. After receiving the payment, the loan enterprise shall fulfill the repayment obligation on a monthly basis.

The latest mortgage interest rate in Yantai

Yantai commercial mortgage interest rate in 2020:

1, short-term loan

Interest rate within one year (including one year): 4.35%

2. Medium and long-term loans

Interest rate for one to five years (including five years): 4.75%

Interest rate over five years: 4.90%

3, personal housing provident fund loans

Interest rate for less than five years (including five years): 2.75%

Interest rate over five years: 3.25%

Previously, the national mortgage benchmark interest rate was 4.9% 10, which was adjusted to 4.85% 10 for the first time. From10.8, affected by the new policy, the national mortgage benchmark interest rate will be adjusted to 4.85%. Drift or not, every city is different.

Yantai second home loan interest rate 2022

Yantai second home loan interest rate is 5.5% in 2022. According to relevant information, the interest rate of the first suite is mostly 5.4%, and the interest rate of the second suite is mostly 5.5%. In August 2022, the bank announced that it would raise the mortgage interest rate again. At present, the interest rate of the first home loan is 5.5%, and the interest rate of the second home loan is 5.9%.

Yantai provident fund loan policy 2022

I. Yantai Provident Fund Loan Guide

1. Loan Guide for New Commercial Housing: Loan Conditions and Material Flow

2. Second-hand housing loan guide: loan conditions and material flow

3, resettlement housing loan guide: loan conditions and material flow.

4. Guide to Converting Commercial Loans to Provident Fund Loans: Process for Handling Conditional Materials

Friendly reminder:

Differentiated credit policy. The down payment ratio of the borrower's family (including the borrower, spouse and minor children, the same below) to purchase the first home housing provident fund loan shall not be less than 30%, and the down payment ratio of the second home housing provident fund loan shall not be less than 40%. The loan interest rate for purchasing the second suite shall not be lower than 1. 1 times the personal housing loan interest rate of the first housing provident fund in the same period. After the first set of provident fund loans is paid off, you can use the housing provident fund loans to buy the second suite again. Housing provident fund personal housing loans shall not be issued to paid workers' families who have purchased the third and above houses or have used housing provident fund loans twice.

In any of the following circumstances, the second set (inclusive) of differentiated housing credit policies shall be implemented:

1. The borrower's family applied for the first time to use the loan to buy a house. For example, in the housing registration information system (including the pre-sale contract registration and filing system) where the household registration is located and where the house is to be purchased, the family has registered one (or more) complete houses;

2. The borrower's family has used the loan to purchase more than 1 set (inclusive) and applied for a loan to purchase the house;

3. Confirm that the borrower's family owns a set (or more) of housing through due diligence in the form of credit record inquiry, face-to-face test and interview (if necessary).

Is Yantai Rongtong Information Consulting Loan Reliable?

Reliable.

Yantai Rongxintong Information Co., Ltd. is a licensed company in Yantai, which is recognized and passed by the state, so it is more reliable.

Yantai Rongxintong Information Consulting Co., Ltd., founded in 2022, is located in Yantai City, Shandong Province, and is a wholesale-oriented enterprise.